vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is still how screwed up my Experian account is and they refuse to fix anything. In the screen shot below you can see Experian has XXXX XXXX accounts with different amounts only problem is its the same account I ONLY HAVE XXXX XXXX ACCOUNT ENDING IN XXXX and once again they say they fix my account and give me my real score if I pay them and that's the text book definition of EXTORTION

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 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was gifted an American Express gift card by my boyfriend 's family on XX/XX/XXXX. Despite trying several retailers, only one has been able to accept the gift card. The one place where the gift card could be used - XXXX, I was also eventually unable to use it there too. I've tried XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, all which said my card was declined- to which I didn't have insufficient funds. 
I contacted customer service, who told me to contact XXXX. I contacted XXXX and XXXX said that the issue was with the AMEX gift card. I called American Express customer service back and they said that the reason it wasn't being accepted was because there was no way to connect an address to a gift card- which frankly, i know is bull XXXX, VISA giftcards are accepted everywhere despite not having an address attached. 
I'm completely unable to use this gift card for anything and I feel like this is some kind of fraud- why advertise that this money can be spent everywhere when not even XXXX ( the world 's biggest retailer ) can't accept it. I feel like my boyfriend 's family has been cheated out of their money because their gift to me is useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing in response to the communication I received from Midland Credit Management regarding an alleged debt associated with Account # [ XXXX. I stated that I spoke with an attorney regarding this matter however I do not need an attorney to challenge the information on my consumer report. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of the debt. I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Midland Credit Management. In fact, your company 's name or any reference to Midland Credit Management is not mentioned anywhere in the documents you provided. As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. One in particular is XXXX and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating 30 to 59 days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to TransUnion as 30 days past due. This account also has different last update on XX/XX/2023. XXXX is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. XXXX was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from XXXX informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After one department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I wrote CCS COLLECTIONS requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 

6. What is your authorization of law for your collection of information? 

7. What is your authorization of law for you collection of this alleged debt? 

8. Please send evidence your authorization to do business or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
A few weeks ago, I received a letter from the county that I didn't pay school taxes on time from XX/XX/23. Flagstar was responsible for paying my taxes from my escrow account. I had to pay a {$200.00} penalty or it would go to collections in two weeks.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed inquiries on my Experian credit report. That i do not recognize and ask that they removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-12-30 00:00:00
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
MY CARD WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE BY SOMEONE ELS, I CALLED THE BANK AND TOLD THEM ALSO MY PHONE NUMBER WAS NOT UPDATED ON THE ACCOUNT AND SOMEONE VERIFIED THE CODE SAYING IT WAS ME MAKING THE TRANSACTION AND IT WAS NOT ME OR ANYONE I KNOW. THE TOTAL WAS {$6600.00} ON THE FRAUDULENT CHARGES ON THE 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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened up an account at M & T bank because this is the bank my wife banks at. I started the account with {$50.00}. The banker stated on the account that I was unemployed. I told him I didnt work in the XXXX XXXX as yet because I recently moved over but I still receive income from my XXXX job. They blocked the account a few days after I opened it. They told me I logged in from more than one device. I told them I did log in from more than one of my devices and I think I have the right to do that. I have been in the bank to try and sort the issue no help no results they kept telling me to call the fraud department when I called the fraud department they told me they cant do anything I have to go into the bank I recently transferred {$130.00} dollars to the account by mistake because the card is on my XXXX XXXX and now I have no access to my money they are saying I have to wait until someone reaches out to me Ive been waiting for a very long time with no results. I dont understand why this is happening in the very first place.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following informati

on : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 6. What is your authorization of law for your collection of information? 7. What is your authorization of law for you collection of this alleged debt? 8. Please send evidence your authorization to do busi
ness or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards, XXXX XXXX

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

6. What is your authorization of law for your collection of information?

7. What is your authorization of law for you collection of this alleged debt?

8. Please send evidence your authorization to do business or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX

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 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I changed the pmt date on the app. Made my pmt. The next month there's a late fee. I explained what I did to them and why was a late fee there. It didn't take he said. So I agree to pay it but there would be another added and I would still have to pay both. But they could take it off on the full balance but I still have to pay it. I said this wasn't my fault but I will pay one fee they said bc of the date I have to pay XXXX. I can't afford that okay but we can't change it. I said I can't so please close it today they called me anyway we went through the same conversation and he said they are adding another late fee. AND REPORTING XXXX MONTHS LATE ON MY CREDIT. This is not right. There is no third party here and I authorize you yo please investigate this fully and not just take what they say to ne true when they respond. Thank you so much.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I opened a new Citizens Quest Checking account with your esteemed institution using a promotional code that promised a {$500.00} bonus if I made multiple direct deposits totaling {$5000.00} within 30 days of the account opening. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe. 

To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : Citizens Quest Checking - XXXX Promo Code Used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$500.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly. 

I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.

Company response to consumer: Closed with explanation