vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX I sent a letter to Wells Fargo about a credit card account from XXXX that was opened without my signature and consent. Wells Fargo did not respond within 45 days nor did they halt interest charges/payments during the investigation. They wrote me back months later ( XXXX ) from a mediation team and reached a resolution for compensation in my favor. Both parties agreed that my rights were violated and we discussed that I was not given the opportunity to opt-in or opt-out of my information being shared with a third party because an application was completed by a teller without my consent. A part of the resolution from mediation was that this debt/credit card would be removed from all credit agencies that it was previously reported to. 

Now, I have received a letter from a third party debt collector in regards to this debt. Wells Fargo is sharing my information again with third parties without consent or signed disclosures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have had an XXXX store credit card for XXXX or XXXX years. During that time Synchrony Bank, the issuer of the credit card, has never sent " me '' notice that a statement had " dropped '' or a copy of my monthly statement. The latter bothers me little as I pay off the total of my credit cards every month, In the case of XXXX, it is twice a month. I used to receive notice that a Synchrony statement had issued when I was a customer of XXXX XXXX XXXX. Why the bank and not me, I do not know. 

I stopped doing business with XXXX XXXX XXXX last year or earlier. Since then I have tried to get Synchrony Bank to send " me '' the notices that a statement had been issued. Because this is a twice a month billing, if I fail to receive notice that something is owed, I could inadvertently fail to pay on time and be charged finance charges. Frankly, I am beginning to believe is why Synchrony Bank has failed to correct this problem. I have complained several times and, was of course, assured that the problem had been fixed. After one of my complaint sessions a month or two ago, I received 4 ( I think ) years worth of paper statements! I didn't ask for that, and I don't know what their purpose was. 

I tried today to " chat '' with the bank about the problem, and basically the representative simply " tap danced. '' around the problem and was told to call Monday. Well I am through talking to these people.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys city bank on XX/XX/2023 this was on my credit report I didnt approve this at all would really like this off my report

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 2024-04-07 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: GA

Complaint narrative:
XXXX claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to 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 2024-04-07 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: TX

Complaint narrative:
XXXX, Transunion, & XXXX were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.

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 2024-04-07 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: TX

Complaint narrative:
XXXX, XXXX, & Experian were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.

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 2024-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
Purchased vehicle from Volvo Cars XXXX XXXX on XXXX XXXX. The dealership forgot to include sales tax in the deal and requested me to sign a new contract before I would be able to get my registration and tag. Volvo Cars XXXX XXXX has not sent the the title or registration to the bank as of XXXX XXXX. Additionally, a service contract was included in the contract but i was never given the terms or disclosure for this contract and it is in my right to have it cancelled and refunded, but Volvo Cars XXXX XXXX has not responded to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On Monday XXXX I tried to transfer {$2500.00} from US bank to my other financial institution. The micro deposits were verified and I attempted the transfer. There was no indication that the transfer did not go through but it did not. Then I needed a second transfer and that time it required a mobile phone to do the transfer. I do not have a mobile phone and have had second verification by email and my home phone with a code. Also, I can not use my home phone to do the online banking because my husband has our only phone number on his account. I read in the articles that it is incorrect to prevent banking activities to someone because of no mobile phone especially a senior. I want to ensure that the transfer is not done because I have already mailed a check and the funds would not be there

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 2024-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XXXX we received a letter from Marcus by Goldman Sachs that stated your account ( in my wife 's name ) has been closed as it was open for 60 days and there had been no deposits. We have no accounts with them and have never had any dealings with them. We have never received any correspondence from them regarding the fraudulent account until we received an account statement on XXXX showing {$0.00} dollars in the account for the month of XX/XX/XXXX. On contacting Marcus by Goldman Sachs they had stated that the account had been opened in XX/XX/XXXX. They asked my wife for her date of birth and the last XXXX digits of her social security number which were accepted. The phone number they had was from a land line that had been disconnected in early XXXX. They said that they would investigate this matter. I don't understand the complete lack of communication when the account was opened as they obviously had our home address. Also we have XXXX  monitoring and there were no inquiries made before whoever opened the account. It seems very lax to not thoroughly ID whoever opened the account. Our XXXX credit files are now locked by us and we have submitted an identity theft report to XXXX. We are awaiting the investigation results from Marcus by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/2023- I surprised that I'm in a plan called flex plan of Citi bank credit card, I surprised that the minimum amount due will be too high. {$850.00} I was paying before {$41.00} I start calling Citi bank many many times, to go back to the normal payment plan, but they didn't fix it and the amount doubled in XXXX. 

In XXXX statement, the minimum amount due was {$1700.00} I kept calling Citi bank many times to fix that issue and move that debt back to normal. 

Finally in XX/XX/2023 statement, they put me back to normal payment plan, but and I need to pay {$1700.00} the minimum amount due. 

For 2 months I'm trying to fix that situation with the bank and no answer, And after I kept calling Citi bank many times, finally I had to pay the {$1700.00}. 

Next credit report while I'm negotiating that issue with the bank, I surprised that I have late fee on my report for 2 months. 

No collection called me and let me know that I need to pay those amount, before it impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX  has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.

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 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NC

Complaint narrative:
Account XXXX. 
Customer- XXXX XXXX In XXXX, I made a payment of {$15000.00} for deferral payment. Payment was taken over the phone. They did not adjust the money towards the deferral for reasons unknown and adjusted it to the next 13 months payments. They've reported that the deferral payment was never made on my mortgage statements. Now, I'm inthe process of obtaining a new home loan. My prospective lender asked me the reason why the US bank has adjusted the payments for the next 13 months instead of adjusting towards the deferral payments. The lender has requested a letter stating the facts. I've made requests and several phone calls to US bank customer service. I've also informed them about the urgency of the situation. I'd opened the case on XX/XX/XXXX. They initially said that they will email the payment history and letter on XXXX XXXX 've only emailed only the payment history. I called them about the letter and they said that the letter will be issued shortly. Again, they said that the letter was never requested. Next day, they said it will be sent. I spent several hours on call with them. I escalated the case. They spoke with administration and push a RUSH request and said that it would be emailed the same day. If not, it would be emailed on XX/XX/XXXX which is saturday. I called them back on Saturday and they said that the department is not open and will be done on Monday. I highly doubt that their intentions are clean as they've lied several times over the phone connecting me from customer service to loss mitigation. One of the agents mentioned that the deferral payment should've never been taken over the phone and it should've been taken in the form of a check in the name of deferral payments. Now, I'm at the risk of losing mortgage for my new home.If I lose the house, I'll have to sue the US bank. 
Thanks 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some fraudulent and incorrect information on my report.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( Equifax XXXX, XXXX is XXXX XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2024-04-07 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2024-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX  Inquiry 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Evidence included and the documents attached in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Evidence included and the documents attached in this complaint.

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 2024-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.

Company response to consumer: Closed with non-monetary relief