vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.

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 2023-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX XXXX has committed theft and fraud with the assistance of Fed Loan Servicing. They were shut down for stealing funds financial aid and fraudulent loans. They have placed multiple loans on my credit that were not authorized. I received a pell grant which covered my tuition. But they have put XXXX separate loans on my credit without authorization ( 2 years after I was no longer a student ). Not only have they stolen unauthorized grant funds but they have also stolen these funds when i was not even a student when XXXX of these loans were charged.Fed Loan has refused to work with me despite all of the evidence and Police reports filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than one debt collector without my consent. 


1. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit 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 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Attempted to open a savings account and it went to review for verification. XX/XX/23 received a call and a voicemail to verify I called back and after 2 hours on hold basically told by multiple Goldman Sachs reps they theyd dont know what the problem is and that for some reason my phone number on the app all though it is my phone number is not correct and they dont know what the resolution is to open the account or why it can not be opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: NC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2023-05-03 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : 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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I inadvertently scheduled XXXX full balance payments, XXXX for XX/XX/XXXX, and another for XX/XX/2023 to Bank of America credit card. This resulted in a negative balance on my credit card. Then I received an email from BOA on XX/XX/XXXX to ask if Id made a mistake and to call if I had, I called the number emailed to me. This was the first of XXXX phone calls over the course of the next week. 
XXXX payment was given back to my checking account however BOA also added/applied this ACH refund back to my credit card balance as well. I called my bank, XXXX XXXX Bank, XXXX, and asked if XXXX of my payments went through. They confirmed XXXX payment of {$1400.00} was paid and therefore resulted in an XXXX  charge against my checking. My bank forgave this charge and also confirmed that a transfer of {$1400.00} was made and deducted from my account. Bank of America says it was returned unpaid. I went to my bank and they supplied me with a letter of Checks paid against insufficient funds along with my checking account statement that does indeed show that XXXX of my payments was taken from my checking account and paid. 
I have spoken with many customer service representatives from BOA to ask the to see that my account has XXXX payments but also XXXX charges for {$1400.00}, showing no payment at all. They tell me it was returned unpaid. 
I have documentation of both the deducted payment from my checking and from my BOA credit card showing no reduction in my balance.

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 2023-05-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/23 my accounts were closed following a returned payment on one of my 4 American Express cards. 

That day, XXXX bank could verify, I had the money in the account to cover the transaction. 

I called immediately, and was told to bring all of my accounts current and I would have no issue getting my cards reinstated. 

I then, paid off 2/4 cards. Significantly reduced the balance on the other 2. I had to call to do so because I was unable to do so online. 

I called to have my cards reinstated and they acted like they had no idea what I meant. I finally got transferred to someone who told me to just apply for new cards. Amex has multiple programs such as XXXX, etc. nobody will tell me why I was not offered anything. I have been a good customer. I started a new business and had some payments not go through because of new bank accounts etc ( you can see I paid for years through one account, and now am from another ). 

I just want some or all of my Amex back. I have never left Amex hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IL

Complaint narrative:
The collection agency Capio Partners, Located in XXXX, TX. Contacted me om XX/XX/XXXX of this year, concerning an alleged medical bill debt in the amount of XXXX dollars. 

On XX/XX/XXXX of this year. I responded with a certified debt validation letter. This letter requested Capio Partners to provide me proof of the original purchasing agreement, that shows Caprio Partners is the legal owner of the said debt, if the debt started with another company. please provide the name, account number, and purchasing agreement. 

I requested, Capio Partners proof if the company is licensed to collect debts in my state. Also to provide the date of license, and license number. On XX/XX/XXXX of this year. I received a letter from Capio Partners. Alleging this information regarding this debt was verified. Capio Partners didn't provide me with any of detailed items, I requested from them in my debt validation letter, Also Capri Partners responds exceeded 30 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: LA

Complaint narrative:
I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, VANCE AND HUFFMAN LLC, listed a debt owed, for original creditor, XXXX XXXX. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for XXXX years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 furish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : SUNRISE CREDIT SERVICE XXXX Date opened XX/XX/2022 Balance : {$660.00}

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 non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reported an inaccurate balance from XXXX  XXXX XXXX on my credit report for the month of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - I received a phone call from New American Funding ( XXXX ), but the caller terminated the connection without providing any information ( dead air ). I called back and was informed that NAF was reaching out to discuss FEMA disaster zone options ( the subject property is located in a FEMA disaster zone ). After learning more about the program, I declined the offer. However, the representative had already canceled my auto-payments without my authorization and was unable to fix the erroneous cancellation. 

XXXX - I checked my NAF portal and saw that the auto-payment was not processed ( explanation above ). At that time, I noticed the XXXX escrow analysis indicated that my payment would increase by approximately $ 200/month. After further review, I discovered that the XXXX escrow analysis used an inaccurate hazard insurance premium ( {$310.00} annual ), which caused NAF to issue an " overage refund '' since they felt the escrow account was overfunded. However, this was a negligent escrow analysis and NAF should have used the actual premium of approximately {$1700.00}. As a result of NAF 's failure to perform an accurate escrow analysis, my escrow account was underfunded during XXXX and my " new payment '' will increase from {$2100.00} to {$2300.00}. 

New American Funding is wholly responsible for performing an accurate annual escrow analysis, the results of which are relied upon by the consumer. NAF 's failure to perform an accurate analysis, combined with their unauthorized cancellation of my auto-pay, directly resulted in damages ( time ) and would likely have resulted in missed mortgage payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 3 FTC report with fraudulent inquires

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