vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX home designed credit card ) placed on my consumer report by XXXX, XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

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 2021-06-29 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:
On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX credit card ) placed on my consumer report by XXXX, Equifax, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX  credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I have a Chime prepaid card. On XX/XX/21 I reloaded my card at XXXX located at XXXX XXXX XXXX, XXXX XXXX, OK. 
A cashier by the name of XXXX loaded an additional {$300.00} onto my prepaid card. As a result, I did not use the card after noticing the extra funds on my Chime card. I returned to the same XXXX location witihin a few hours of the original load transaction. The XXXX manager debited the extra {$300.00} on my account. I was then told by the store manager that she would also contact Chime to verify the correct amount had been removed. I recorded the managers store transaction of my Chime card via cellphone video. On XX/XX/21 Chime closed my prepaid account via email and I was immediately disallowed access to my online Chime account information. I contacted Chime via email about the cancellation of my account and received a general response on XX/XX/21. Chime indicated I would receive the remaining balance on my prepaid card via check within two weeks. Two weeks have now passed and I have not received the remaining funds on my closed prepaid Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I am writing this complaint to dispute the following accounts : Creditors Bureau Associates Account # XXXX, # XXXX, # XXXXThis agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debit. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. Defamation 2.Negligent Enablement of Identity 3.Violations of 15 U.S.C 1692g May contact information is as follows :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Over 30 days ago, I mailed off a Notary Presentment, Affadvavit of Truth, Debt Validation and Cease & Desist Letter, and an Invoice via certified mail in regards to an alleged debt. Nissan Motor Acceptance Corporation received these documents on XX/XX/2021. On XX/XX/2021 I submitted a CFPB complaint in which NMAC responded with nonfactual information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1605 ( c ). A finance charge is defined as the sum of all charges, 15 USC 1605 ( c ) states that property damage and liability insurance is supposed to be included in the finance charge. Nissan Motor Acceptance did not include my insurance in the finance charge. I had to buy and pay for my insurance separately from the finance charge.

Pursuant to 15 USC 1611, Nissan Motor Acceptance Corporation can be held criminally liable and be fined for no more than {$5000.00} and imprisoned for one year or both for failure to disclose and willfully withholding this information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 6802 which is my right to opt-out. Nissan Motor Acceptance Corporation did not notify me of this right, which is required. Not only did they not notify me of this, but they are also reporting nonpublic personal information to non-affiliated third parties without my permission. XXXX XXXX  and XXXX are nonaffiliated third parties that Nissan Motor Acceptance Corporation is reporting this alleged debt.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1635. 15 USC 1635 is my right to recession. The right of recession applies to any consumer credit transaction in which a security interest has risen. Nissan Motor Acceptance Corporation did not disclose this right to me and is held no only held criminally liable, but also civilly liable pursuant to 15 USC 1640.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I have paid the debt collection from the debt collection company Grant & Weber and they agreed to remove from our credit report on XXXX. However been it's been many weeks and they have not resolved 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 explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am receiving repeated inquires about a debt that I have no knowledge of. I feel that it must be a scam. 

XXXX XXXX <XXXX> XXXX XXXX ( 4 hours ago ) This is an important message for XXXX XXXX XXXX XXXX 

You currently owe {$18000.00} to CACH , LLC. 
You may wonder why XXXX is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXX XXXX XXXX, XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX, XXXX sold the debt to CACH , LLC who currently owns this balance. CACH , LLC has asked XXXX to help you resolve this balance. That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 

> View My Options Current Creditor : CACH , LLC Original Creditor : XXXX XXXX XXXX, XXXX Total Balance Due : {$18000.00} XXXX account number : XXXX Product : Credit Card This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 



View Account Information Contact Us Read our FAQs Unsubscribe Dispute This Debt Privacy Policy Copyright 2021 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : XXXX, XXXX XXXX - XXXX XXXX ET The law limits how long you can be sued on a debt. Because of the age of your debt, CACH , LLC can not sue you for it, and CACH , LLC can not report it to any credit reporting agency. 

This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : XXXX : XXXX CACH , LLC account number ending in : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Other XXXX XXXX Account # XXXX XXXX XXXX : XXXX Bal : 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 2021-06-29 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: TX

Complaint narrative:
On XX/XX/2021, I called Experian Fraud Department to make them aware that I did not give them written permission to " Report '' anything and that there was incorrect/inaccurate information being reported on my Credit Report. I also demanded that they remove the incorrect/inaccurate Information immediately. I was told it could not be removed immediately and it would take up to 3 days. 

On XX/XX/XXXX I received an email from Experian letting me know the results and my Credit Report was updated. 

As an informed consumer and aggrieved applicant as described in 15 USC 1692a ( 3 ) and 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX solemnly swear that the aforementioned are true and correct to the best of my knowledge and belief or under penalty of perjury I agree that everything I say is 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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
the same original creditor " XXXX " reinsert the same collection with a different Agency " XXXX XXXX XXXX '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove 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 explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Complaint against AmeriHome Mortgage in XXXX, NJ. 

- 1st Mortgage payment due XX/XX/XXXX, payment attempt made XX/XX/XXXX via phone using routing and acct number after online payment could not be made online because of Amerihome 's website failure. A confirmation number was provided at that time for phone payment. Phone call made XX/XX/XXXX to fix problems logging onto account and discovered that no payment had been made. 
- XX/XX/XXXX payment made via phone for full amount - XX/XX/XXXX " returned payment reversal '' for no explained reason, and no notification, and now our payment is late - XX/XX/XXXX payment attempt number 3, also for full amount. 
- XX/XX/XXXX : payment confirmation email received - XX/XX/XXXX another " returned payment reversal '', again for no known reason, no notification - XX/XX/XXXX payment attempt number 4 made over the phone to Amerihome representative, now in collections! Finally gained access to our online account to see our payment history, very concerned about our credit score being severely affected through no fault of our own. AmeriHome is not able to email their customers ANY confirmation of payment. This is unacceptable! Amerihome representative promised to call us on XX/XX/XXXX to confirm payment " cleared. '' We were assured payment " should clear around midnight. '' XXXX : contacted collections to establish a credit dispute. Amerihome representative looked up payment information in the system and confirmed it was correct and that payment had been made that day. Representative unable to say whether payment would clear in time to avoid reporting to credit bureau. Representative said website goes down " every now and then. '' The representative was unable to explain why the payment was confirmed and then reversed 6 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
The company has called my business line twice a day for over 2 months. I have repeatedly informed them this is a business line and they have the wrong person and have requested that they put me on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: AZ

Complaint narrative:
the same original creditor " XXXX " reinsert the same collection with a different Agency " National recovery agency '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove 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 explanation
Consumer complaint received 2021-06-29 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: IL

Complaint narrative:
I am a victim of identity theft and I sent Experian my FTC report, drivers license, sec, police report, affidavit notarized, and list of accounts and inquiries that are not mine. They have failed to reply back to me in the appropriate time frame and they also responded to my previous CFPB complaint number XXXX saying that there was a third party working on my dispute and they need authorization with Identification documents sent in for them to continue.I already sent in EVERYTHING to them and I'm working on my disputes by myself!

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
There is a security freeze on my SageStream credit report. I did not request it. It was added fraudulently. I'd like it removed. I'd like to know how someone else was even able to have it put on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX I called Equifax to have them unfreeze my credit. I had done this two months ago without problem and thought it would be a quick call. On the first call I had gotten through verifying my identity and was about to have a confirmation code with the cs rep let me know there was an internal server error. She told me to call back in 24-48 hours and they would be able to complete my request. I called back XX/XX/XXXX and was told I needed to go through the same process. At the end of the call I was told the same internal service error was continuing. I asked to speak to a supervisor and was argued with by representative, finally put on hold and 20 minutes later hung up on. This has repeated on a daily basis as I am trying to move and can not do anything with frozen credit. This has been far and away the worst customer service I've experienced from a national brand - let alone one handling my credit. I would like to have this problem resolved or at the very least be communicated with as to why it is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My complaint is with Citi and their credit card. Whenever a credit card company applies a customers payment to a credit card balance, they are required to apply the payment into two parts. First the minimum payment due ( applied to the lowest interest rate ) and the second portion the excess payment ( is to be applied to the highest interest rate ). 

I made a payment of {$10000.00} on XX/XX/XXXX to my credit card but they applied the payment to the lowest interest rate instead of applying it to the highest interest rate, which was Standard Purchases rate of 19.99 %. 

I have attached the statements for your review. You'll see that on XX/XX/XXXX a charge of {$10000.00} ( standard Purchase ) was placed onto my account. The very next day, XX/XX/XXXX, I made a payment of {$10000.00} but instead of the excess being applied to standard purchases, the excess was used to pay off Balance transfer offer # 4 which had a very low interest rate of 1.99 %. The credit card company should have used the excess to pay off the Standard purchases, NOT the low interest rate Offer # 4. 

My husband called the credit card company 3 times to try and have the payment fixed and applied properly. Each time, the customer service representative said that they would have another department research the error. The customer service reps agreed with my husband and thought that the payment was applied incorrectly. One representative even reversed one month 's interest for me. 

I should have XXXX dollars left in the High interest rate bucket, 19.99 % and I should have the remaining balance in Balance Transfer Offer # 4.

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 2021-06-29 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
see ftc FCRA violations : CREDIT SYSTEMS INTL IN Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: HI

Complaint narrative:
XX/XX/XXXX Ordered a Grill from XXXX using my Apple/Mastercard from Goldman Sachs for {$110.00}, No response from XXXX in the form of Confirmation E-mails, Shipping Dates and Tracking Number for the Product and No Product received, XX/XX/XXXX I file a Fraudulent Complaint with Goldman Sachs who handles the Credit Card, They open an investigation and I ask how long will this take and they say their policy can take up to 3 months before a decision is made. I stress to them I received no e-mails, shipping dates and no product so how could they take this long? I wait 3 months then I begin to call the Fraud Department XXXX ( XXXX ) XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX. Hawaii time, spoke with XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, Tuesday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, They say every time I called it's been escalated to the Upper Management Team and they are having problems with how they conducted the dispute procedure. Thursday XX/XX/XXXX, I receive a call at approximately XXXX XXXX. from XXXX and she states she is from The Office of the President Advocacy Department and says they are resolving my dispute in my favor and it should be on my Apple MasterCard Account no later than XX/XX/XXXX and if not I should call the department. No E-mail or any contact regarding this so I call back on XX/XX/XXXX and talk with XXXX at XXXX XXXX. Hawaii time and she said I need to call back tomorrow Friday XX/XX/XXXX. I call back Monday XX/XX/XXXX at approximately XXXX XXXX. and speak with XXXX who then transfers me over to XXXX who is a Total whatever, anyway I stress to her if they have confirmation E-mails, Tracking number, shipping dates I would like to have that sent to me. She said she could do that but it might take 2 or 3 weeks by Mail, I said that's RIDICULOUS but send it anyway, well NOTHING shows up!!! Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time I call and speak with XXXX, who then transfers me to XXXX who proceeds to tell me my case is so old that's why they can't find the papers and have not sent me anything. Then she proceeds to tell me how she handled her own case like this with another Credit Card Company and insinuates I should eat the cost. XXXX NO!!! I NEVER RECEIVED THIS PRODUCT, I NEVER RECEIVED ANY SHIPPING OR TRACKING INFORMATION!!! 
WHAT THE XXXX IS GOING ON " GOLDMAN SACHS ''??? PLEASE HELP ME!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: MS

Complaint narrative:
XXXX XXXX is saying they dont have a report on me.

Company response to consumer: Closed with explanation