vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from XXXX XXXX XXXX XXXX XXXX. 

We are willing to accept {$330.00} to resolve your Destiny MasterCard account originated by XXXX XXXXXXXX XXXX, which is now owned by XXXX XXXX XXXX XXXX, XXXX, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures XXXX XXXX XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CitiBank responded : Upon review of our records, we found that interest check number XXXX for {$18.00} was sent to the address on file on XX/XX/XXXX. This check was for the interest owed on account ending in XXXX, for the dates of XX/XX/XXXX, to XX/XX/XXXX. 
However, the interest that I earned with the amount of {$18.00} is only through XX/XX/XXXX, which was the date they withdrew all the funds from my account. Furthermore, it wasnt until XXXX, another 15 days before I received the checks from my checking and savings account. Please see all attachments which show the withdrawal date of XX/XX/XXXX, and the check issue dates of XXXX, by Citi Bank. I am still owed interest from XX/XX/XXXX, through check date of XX/XX/XXXX. That should be approximately {$20.00} owed to me. I was promised I would receive interest up until the check issue date. The money was withdrawn from my account on XX/XX/XXXX ( see attachments ) meaning no interest was accrued from that date thru check issue date XX/XX/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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$75.00} on XX/XX/year> by XXXX XXXX XXXX for a deposit made to my friend 's inmate commissary account. However, the money was credited to his " inmate account, '' which is a different thing. This meant that it could not be used to purchase commissary items. I contacted XXXX customer service but was denied a refund. 

I filed a claim with Chase to have the charge reversed on XX/XX/XXXX, and was credited {$75.00} to my account. On XX/XX/XXXX, I received a notice saying my claim had been reviewed and dismissed, and that Chase would be charging me {$75.00} in the next few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I move to a new home in XXXX XXXX. I had to buy new home office and home furniture and for business I applied for Chase United Mileage Plus card. 

My business card was put on hold due to them requesting my address info and beneficial owner who is my wife, i.e her address info. 

I provided my temporary Driving License which I got online when I applied for change of address with DMV. I also uploaded to their portal my home deed which showed both me and my wife 's name and new address. 

I got second email from Chase again asking for uploading the new address even though the first was very legible without zooming. I called the agent and agent said that the address was legible and the agent confirmed that address looked good. The agent then asked for my wife 's SSN number to be uploaded to proceed with application. This SSN was also added in business application and Chase had record of it. I protested that this is not making sense to request copy of SSN and wanted Chase to send me an email requesting SSN. The agent said they can only send two emails and then they will need to send letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Ba

nk Originated a wire transfer payable in Euros was advised the fee was {$50.00}. No problem. Upon reviewing the receipt. I noticed the exchange
rate ( {$1.00} ) was not current. The current rate is XXXX XXXX. PNC rate is about 4 % higher. 

I pointed the discrepency out to the banker, she conferred with the manager and was advised the Bank 's rate was higher, which resulted in a {$260.00} USD " hidden fee '' making the " real '' wire transfer transaction fee {$310.00} USD.

In the interest of transparancy and honesty, the bank should have disclosed the exchange rate beforehand. At that point, I would have chosen to cancel the wire transfer and use a different wire service.

Telling customers a XXXX wire transfer fee is {$50.00} is desceptive and should be abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports effectively immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. 


1 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  Account # XXXX - {$2100.00} Date XX/XX/XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) Account # XXXX - {$2700.00} Date XX/XX/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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports effectively immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. 


1 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Account # XXXX - {$2100.00} Date XX/XX/XXXX 2 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Account # XXXX - {$2700.00} Date XX/XX/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 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I contacted Best Buy XXXXXXXX XXXX  about setting up a payment plan because the amount requested monthly is extremely too high for me to be able to afford. When I have called 3 times ; the representatives are very nasty and would not allow me to set up an affordable amount. The interest rate is steadily climbing each month and it is worsening my credit score.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/2024, i got the email stating my account has been temporarily suspended. I immediately logged onto the app to check the account but to my surprise my account was locked. I then proceeded to call SoFi customer service department to get to the bottom of it as soon as possible. I spoke to well over 7 different reps throughout the day about the freeze but could not get an answer at all. The reps would tell me to just check the app and nothing more. I have {$6500.00} in the account that i now can not access because of the freeze. To my knowledge i believe the trigger behind it were transactions that declined from my checking account due to insufficient funds. All my money was in my savings account ( XXXX ) and i forgot to transfer over some money the night prior to pay for everything. It was 8 transactions that declined over night which in my opinion may have triggered the fraud alert system. I've tried to speak to SoFi customer service about this but they still do nothing and tell me to just check the app. I have my car payment due, my rent is due, i have multiple bills i must take care of but now i can't because of this freeze and it's been quite frustrating. I'm also an investor in the stock market and make great income doing that as well and have been using SoFi checking and savings to recieve my income when i transfer funds from my portfolios. I need my account unfrozen and to get access to my money IMMEDIATELY! I recently moved from XXXX to XXXX and I havent changed my address yet for my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I applied for an assumption with United Wholesale MortgagesXXXX XXXX XX/XX/XXXX. The application package was sent via US mail and confirmed received by their customer services on XX/XX/XXXX. Additional documents were sent via US mail and confirmed received on XX/XX/XXXX. I was advised that the process should take at most 90 days to complete and my application was set in their records to be completed on XX/XX/XXXX. It is now XX/XX/XXXX and no progress has been made, proving by the fact that I still havent seen my credit being pulled to be considered. I called and emailed the company multiple times in the last 5 months and was told by customer services that their assumptions department doesnt have a direct number to contact. They do not reply to my emails. There is no way I can get a hold of them. Today I receive notification that my loan will be transferred to another servicer in a next 30 days. If this can not be resolved by then, XXXX have to start it all over again. I believe I have been outrageously ignored and deserve to receive response from the company regarding their decision on my assumption application in the next 7 days. Please let me know if you have any questions and I will provide right away. I really hope to end this soon with a proper response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: NY

Complaint narrative:
XXXX sold my loan to SST ( Systems and Services Technologies ) I paid off the loan to about {$5000.00} and then to XXXX. Now I have a XXXX XXXX XXXX and a SST XXXX on my report. Both showing open with missed payments Both should be showing closed and XXXX I called company and they said the credit agency was wrong I opened disputes with XXXX and XXXX. but SST told them it was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
this account is on my credit report 3 times its with XXXX XXXX an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this complaint regarding an account that I have disputed consistently furnished by XXXX XXXXXXXX XXXX An investigation was commenced by TRANSUNION because I filed a complaint to the CFPB reference number : XXXX. The complaint was about my demand to remove the XXXX XXXX XXXX XXXX for the persistent reporting of inaccurate account information reporting on my credit reports. today XX/XX/XXXX, I recently received a up consumer disclosure report from TRANSUNION with new and updated information regarding the account with XXXX XXXX that was in dispute. The account that TRANSUNION reinvestigated came back once again verified and updated bearing the same inaccurate information I disputed initially. They are verifying inaccurate information which is why I demanded for the tradeline to be deleted from my credit report initially. TRANSUNION is not complying with what I have requested. I wanted the account removed because they keep reporting it inaccurately. They are violating my federally protected rights and continues to state that the account has been verified as accurate when in fact it is not. I have already described to them in details what the inaccuracy was. This account is still reporting inaccurate late payment notations which continues to state that I was 120 days late for both XX/XX/XXXX and XX/XX/XXXX. " 120, 120 ''. This is misleading and INACCURATE. I want this account deleted from my credit report immediately. A person can not be 120 days late the very next month because the number of days increase every 30 days which should have stated " 150 '' days late reported as " 120, 150 '' not " 120, 120 '' this is wrong and a violation of the FCRA section 605. 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days receiving a consumer 's dispute. I would like to know what was verified and updated. Can you send me a description of what you verified regarding this account? XXXX XXXX XXXX | Account Number : XXXX. Provide the description of the procedure used to reinvestigation this account. If you can't, delete this account 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 non-monetary relief
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX XXXXXXXX Account number : 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