vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: IN

Complaint narrative:
Made a payment to the original company. 
few hours later got a phone call from SIMM associates looking for me. 
They required address and DOB for the nature of the call. 
I refused the first time and they hung up the call. 
Decided to call back because they knew my name and gave information because they told me they had the information they just needed to verify. 
Told SIMM associates I made the payment earlier that day. 
The associate asked if they were allowed to call back if they did not receive the payment. 
I said if the debt is paid dont call me back and erase my records from their system. 
Decided to call the original company and asked if SIMM associates were actually the debt collector and if they have been notified by the original company. 
The original company states SIMM associates was notified by the original company the moment my payment was received. Got the reference number to call regarding this conversation from the original company. 
Called SIMM associates back and told them they should have received an electronic notification from the original company and that the notice was sent out immediately. 
The person on the call told me that what I said is " not true '' and that it usually takes 2-3 days. Is this a violation since they are calling me after my debt had been paid off. And why is an electronic notification not instant?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In XX/XX/2022, I opened my US bank checking account with the bonus offer code XXXX, and met all the offer requirements in order to receive the {$500.00} bonus with a couple of month. However, no bonus was posted to date. I contacted US bank in XXXX and they opened an investigation for me. Today, I received a letter dated XX/XX/XXXX from US bank customer care specialist denying my offer, with the reason being I opened this account thru an alliance website. This was not disclosed during the account opening process and the promo code XXXX was accepted without any issues. There were no terms in the bonus offer that specifies that the bonus offer can not be applied for accounts opened thru an alliance website. 

Therefore, I request US bank to honor the bonus offer and credit the bonus immediately.

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 2023-02-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After several months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my XXXX Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus. 

I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by Experian, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Experian MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Experian.

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 2023-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my bank accounts and issued me 3 official checks. All 3 were deposited into my checking accounts, 2 checks cleared and the 3rd had a stop payment put on it by Citi bank. Citi bank now refuses to give me my money that was in the account at closure of the account. Also they refuse to close my brokerage account and let me withdraw those funds. I do not owe Citi bank any funds. This constitutes theft and malpractice

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 2023-02-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}

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 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Hello, this account is not mine. I was sent three more documents on money that is owed but im not sure what this collection is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: UT

Complaint narrative:
XX/XX/2023 I received an email to confirm 3 vehicles that do not belong to me but belong to my grandparents XXXX and XXXX XXXX. 

XX/XX/2023 I was asked security questions that are randomly pulled by my credit history through Experian. These questions were about loan and loan payments in regards to my grandparents vehicles. 

I do not own a vehicle, neither do I have an auto insurance policy nor do I have an auto loan. I never did this. I never signed! I had to be fingerprinted to do Auto Insurance. I will go in and provide my fingerprints. I didnt do this! 

XX/XX/2023 I got in the mail information to pull up my credit history through XXXX. It shows vehicles, auto loan and auto insurance in my name. I didnt do this. It needs to be removed. This is identity fraud.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
Opened an account XXXX with XXXX XXXX. In XXXX XXXXXXXX XXXX showed up on my credit report. I have never had an account with XXXXXXXX XXXX. I believe after speaking with XXXX XXXX and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The XXXX account I had was closed in XXXX and never reopened. This account is over 8 years old. 
I have never had an account with XXXX XXXX. 
Spring oaks collection llc stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
A few years ago my wife and co-borrower died. After a long exhausting battle with her illness and funeral expenses, I was unable to maintain our current household bills alone. In addition, I had the responsibility of caring for extended family members. There was a reduction in my once dual income household and a rapid increase in expenses. On top of that, my property was suffering from major repairs that I was unable to fix because I was using my income to maintain the bare living essentials, like heating oil. Shortly, after all of this began, I was faced with even more mounting problems by a loss of income from the pandemic. I am a XXXX XXXX XXXX and with schools closed, I was put out of work. I had to go on unemployment and got seriously behind on all my bills. Foreclosure actions commenced with my first lender. I was a widower and I wanted to liquidate the property and move on and not continue to fight in court. I was granted relief by the judge to settle in good faith. Ive attempted to apply for loss mitigation with my first lender, Selene. To settle with my second lienholder, I asked Selene to take a modest reduction of ~2 % to their total balance. But before considering my application they are demanding the identities of 3rd party buyers, by requesting everyones IDs. My agent explained that IDs are exchanged between attorneys at a closing but never during the purchasing/negotiating phase and that this type of demand can be seen as highly discriminatory and prejudice. 

Selene has refused to consider my previous application that asked them to stop the foreclosure and settle for an extremely fair reduction of ~2 % so the second lienholder, that has a larger balance and is taking a larger reduction, can also be fairly negotiated. Now they are focused and concerned about the buyers personal driver license and identities, all of which are not a party to my loan. All other legitimate documents about the buyers have been supplied including NYS certificate of good standing, corporation documents/articles and proof of funds. 

It appears to me that Selene is finding ways to deny me the opportunity to relieve myself of this home and burden. This complaint is to put the CFPB on notice of how SELENE does NOT work with homeowners who attempt to pay them back in good faith but practices discriminatory behavior to deny loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo/Bilt Card services failed to properly investigate a fraudulent charge on my account from XXXX. I was puzzled as to who/what the merchant was and initially indicated that I suspected it was an over-charge from a sandwich shop or something of that nature ( where mexican pesos were substituted for USD ). The charge in question is for {$990.00} and I was not a party to any transaction of this size. Upon further investigation on my own I determined that the charge was outright fraudulent as I was never in the area of the indicated merchant address.

I have communicated in good faith with Wells Fargo / Bilt card dispute team who insisted all communication be via fax. The disputes analyst insists that I provide a receipt for a transaction I was not a party of to " prove '' that it is fraudulent. My request for an investigation was rebuffed and I was asked to provide a receipt. No effort was made to contact the merchant or obtain a signed transaction receipt from the merchant or attempt to identify the nature of the transaction. The merchant where the fraud occurred was not even contacted and the amount was not suspended. There was zero documentation provided to me to indicate this transaction was valid. I am unable to even obtain the contact information of the merchant where the fraud occurred. 

My request to reopen the dispute after it was closed because I failed to provide a receipt for a transaction I was not a party to was rebuffed. The dispute was again closed the same day additional documentation explaining why the transaction is fraudulent was furnished. 

The card in question comes with a " zero fraud guarantee '', however the issuer is ignoring the spirit of said guarantee by not even investigating the charge, or providing any documentation as to the nature of the transaction or, reason why the dispute analyst believes it is valid.

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 2023-02-21 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-21 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 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 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There's incorrect person information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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