vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has been attacking me for over 12 years with threats of legal action, lawyers being sent to my residence, contacting my employer, now on XX/XX/2023 they have started harassing me on my personal phone. I have provided them with death certificates of the person who created the debt, it has been non-stop harassment for TWELVE YEARS. Every month they are calling after I sent them the original documentation to resolve their claim, plus every 3 months they are sending correspondence demanding payment or legal consequences. This PRA Group has been told at least 30 times to stop and as always, they continue to ignore my requests. Please shut down their corrupt operation and remove them as a public company listed on the XXXX XXXX. They refuse to comply with any orders by CFPB or the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This has been a long time ago but I was an employee of Wells Fargo and had 2 checking accounts with overdraft protection. 2015 I believe. I had the wrong debit card with me but used it because the funds should have automatically transferred from the other account to cover the purchases. I then had a large payment come out and instead of transferring the funds as they should have it even covering the small ones then charging the {$35.00} fee for the big payment they pushed the big payment through and charged me {$35.00} fees for every small purchase I had made prior to the large payment. At the time I called my supervisor called over and over to get it fixed and I think they waived one fee still leaving about XXXX overdraft. I would give you more details but I contacted them last month asking for account records and all they did was try to collect the {$10.00} they are saying I still owe them. I again requested the records from them but was sent only a collection notice for {$10.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent an intial dispute back in XXXX asking for an reinvestigation of my consumer reports for items that were reporting incorrectly. To date, XX/XX/2023, I have yet to receive any updates on that dispute. It has been almost 60 days since that dispute and according to the FCRA 15 USC 1681, this dispute was to be conducted within 30 days and that did not happen which is in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have both a Mortgage and HELOC with Truist Bank The Truist HELOC send notice that we need to send current proof of flood insurance, which we did online on their website and received confirmation. then received another letter that they did not have and if we did not respond by XX/XX/XXXX that they purchase insurance and charge us for it. We send copies before the deadline via website, via phone conversation /emails and via local branch of copies of the policy, but Truist is charging for insurance anyway due to the fact they are 5 days behind on processing. Not only have we complied ( with confirmations ) nowhere did they state that it needed to be send 5 days before deadline or we would be charged. We also can not make a payment without paying the insurance charge! I am sure if they are doing this to us they are doing this to thousands. Also where is the information going? If they can't keep up with a policy on their own website how can I trust they can properly account for money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs bank did not resolve the issue on a charge that happened in XX/XX/2023 for the amount of XXXX. I reported as fraud the first time and did not get it resolve the first time. Then re opened the case and was not solved either. After a third atrempt the bank is asking me the consumer to contact the merchant and ask them for prove or receipt of the purchase. This is unheard of Ive never seen a bank telling the customer to call a merchant to ask them for prove of purchases. Goldman Sachs as the bank needs to do all this. I dont know anything about the merchant or who the merchant is to be calling and asking for information on a fraudulent transaction. The charge stayed permanent on my account which is unfair since i did not made this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MS

Complaint narrative:
I receive 5 to 6 calls a day from Harley Davidson Financial. I pay the bill every month, however they call me 5 to 6 times a day, even on Sundays and holidays. Even after I make promise to pay I still receive calls. I have also been threatened by representatives to adversely affect my credit score. For example on today, I have received a call at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all on XX/XX/2023 ). On Friday I received a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This occurs continuously, even the day after I have made the payment. I pay this bill every month yet I'm harassed daily until another payment is made and then the cycle starts over immediately sometimes the same day. I am a XXXX XXXX who suffers from XXXX and XXXX XXXX. I have had to increase my medication cycle because of the constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to you today to file a complaint against Citibank , N.A . for charging me interest after I paid my balance in full and in time according to the terms of my credit agreement. 

On XX/XX/2023, I made a payment to Citibank , N.A . in the amount of {$13000.00} to pay off my entire balance. The due date for this payment was XX/XX/2023. I received a confirmation from Citibank , N.A . that my payment was received on XX/XX/2023. 

However, on XX/XX/2023, I received a statement from Citibank , N.A . showing that I was charged interest in the amount of {$160.00} on my balance. I was very surprised to see this charge, as I had paid my balance in full and in time. 

I have reviewed the terms of my credit agreement with Citibank , N.A . and it states that I will not be charged interest on purchases if I pay my monthly Citi Flex Plan Payment Amount plus my entire balance, excluding any Citi Flex Plan balances, by the due date each month. I met all of these requirements, so I believe that Citibank , N.A . is charging me interest illegally. 

I am requesting that you investigate this matter and take appropriate action. I believe that Citibank , N.A . is violating the Truth in Lending Act ( TILA ), which is a federal law that protects consumers from unfair and deceptive lending practices. 

I have attached a copy of my statement showing the interest charge and my credit agreement which is in the last page of same document. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX  Account # XXXX balance {$140.00} Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX XXXX  Account # XXXX, status Account closed 15 U.S.C 1681 section 604 A section 2 it also states A consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been multiple attempts to understand these discrepancies with no or very little assistance from the companies or the government. Endless calls and conversations on multiple accounts throughout weeks in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Good afternoon, XXXX, TransUnion and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Good afternoon, Experian, XXXX and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account opened in my name without my permission. 
Perpetrator used my correct name, address, DOB and SS number. 

XX/XX/23 account at BELK/SYNCHRONY attempted to be opened XX/XX/23 account at XXXX XXXX  was closed by me after I found about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had lost my debit card and I never updated with my security system. The XXXX of truist bank in XXXX XXXX updated my information with the security system. I have tried to press fraud charges with the bank but they will not do that. So far my lose is over ninety dallors. I don't understand why this XXXX watches my account. And my money in my account has been messed with for the past XXXX years. I went to the bank and talk with her she said that people change their debit card because they don't want to pay their bill. The male XXXX told me that the company can use the old debit card number to receive money I don't know who she talked to at my security system. I see on my statement that it's listed as a recurring layo that is not true

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On my credit there are false information name, birthdate, addresses, credit pull. And false credit on my credit. Please remove these items. 
I did not authorize my credit to be pulled or and companies for collection under my name.

Company response to consumer: Closed with explanation