vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. Yesterday I got a missed call from bright lending. Then this morning I got an email from bright lending asking if I believe in second chances. The email said my bright lending is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during XXXX  with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and 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 non-monetary relief
Consumer complaint received 2024-01-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I put XXXX purchases on Citi 's Flex Plan, which allows you to pay off certain purchases over a period of time for a fee. When my XXXX statement arrived, I called Citi to confirm what amount I needed to pay to avoid incurring interest charges. I was told the wrong amount.

It would be helpful if the Citi statement clearly identified what amount needs to be paid to avoid incurring interest but it doesn't. 
When the XXXX statement arrived, I saw that I had incurred {$68.00} in interest charges. So I called Citi and explained to them that they had informed me of the wrong amount. They removed that charge and clarified what XXXX numbers I had to pay to avoid incurring interest. I then paid the XXXX statement in accordance with their instructions on XX/XX/XXXX ( though it was due XX/XX/24 ). 
I just received my XXXX statement and it includes {$47.00} in interest charges. I called to ask why this was incurred, and was told it is because I had not paid the XXXX statement in full. I explained that the reason I had not paid the XXXX statement in full is because I was misinformed about the amount due, as evidenced by them removing the charge on the XXXX statement. They said they can only remove interest once. So I want my {$47.00} but what's more important is Citi should clearly identify the amount due to avoid paying interest.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had received XXXX refunds from money orders I purchased from XXXX XXXX. They are Wells fargo checks. And I went to cash them to find out that they are deposit only checks. So I opened an account with Wells Fargo on XX/XX/XXXX of 2024 and deposited XXXX checks that day. XXXX checks were {$1000.00} each and XXXX was for {$250.00}. About XXXX hours after I open the account I get a email saying they are closing my account because of fraud suspected of me altering the checks. I don't see why they can't verify the checks since it's from Wells Fargo? I've waited already XXXX months for the refund from XXXX XXXX I have all the paperwork I even have the original money orders. When I sent the request off I didn't have the originals so I had to notarize XXXX different applications and send {$30.00} for each application for the search request to XXXX XXXX. Now I got to wait more time for Wells Fargo to verify the checks saying that I altered them? This is absolutely ridiculous.

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 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, 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 2024-01-06 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: CA

Complaint narrative:
I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Aspire account. Made payments as allowed for years. Software allows. Employee corruption this month. No change in terms or program. XXXX sounded. They claimed fraud. No fraud by me or my account. The fraud department claims a different way to pay monthly not as software program allows. Tampering internally targeting certain customers. Frauding me as a customer to pay them more interest. I have available balance not showing. Tampering by fraud department. Sorry for them they are not getting interest they personally want but that is the logic of why doing. Harassment and resentment by a poor business with high fees anyways gaining millions. I can not pay on card. I can not use card. XXXX there money to use as others do! Are others paying daily. Sure but they are!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and 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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I open an account with chase on XXXX XXXX my lawyer wrote me a settlement check and I open my account with the bank because my lawyer uses the bank and was told using bank to bank would be a better option and have my funds within XXXX hours my funds where available on XXXX XXXX XXXX and when I went to access my account it said it was restricted due to poetinal fraud and thats absurd I went to the branch and have all my documents and the check can from settlement proceeds and was from XXXX an XXXX XXXX account everything was cleared and now there racially profiling me because XXXX XXXX XXXX and the check was a large amount and there saying its fraud outta nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I tried multiple times to reach the company and it was only an automatic voicemail that would pick up. Finally, today, XX/XX/XXXX, I got ahold of someone and she basically told me I have over a {$1900.00} gift card + {$150.00} giftcard that I can only use at select places. Im not going even try at a place in store because what if it declines on me? I have no idea why the cards are even declining on me. 
The cards are declining, but I get charged XXXX cents everytime it declines!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: MO

Complaint narrative:
Even on the weekend this predatory company lied and sends notification that are absurd, STILL WORKING ON THE ISSUE is a complete lie they are doing nothing

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 2024-01-06 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: Hatfield, Inc.
State: OH

Complaint narrative:
Grid. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. Grid lied and said i was not. They want to go back and alter report instead of state closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
Mitchel D. Bluhm & Associates LLC send me a letter to pay medical bill which I have to pay to them ( service date XX/XX/XXXX ). With no explanation of service and why I have to pay them. Letter received ( XX/XX/XXXX ). 
All my madical bills from this day and all services what been provided this day was transferred to XXXX collecting company. I pay monthly my debt to XXXX for couple years. And based on a mount which shown on my account they didnt sell my debt and do not transfer it to someone. 
I dont know where Mitchel D. Bluhm & Associates LLC got this debt. Why they sand me letter that I owe them money. I think it is scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting XXXX accurate ONEMAIN Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.

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 2024-01-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 
List of negative accounts and personal information : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dispute of {$100.00} and {$460.00} " cash advance fees '' made to unknown merchant XXXX on XX/XX/XXXX I disputed any charges made on XX/XX/XXXX immediately after I got a fraudulent alert message from Citi and they said they'd check into it and reversed XXXX charges on following day ( which I had not see the prior day ). They sent me a new Citi XXXX XXXX On XX/XX/XXXX I received letter from Citi that stated these charges were not fraudulent. They failed to provide any information on tracking this merchant XXXX XXXX XX/XX/XXXX I sent a detailed letter to Citi explaining all that had happened and why I disagreed with their decision. 

On XX/XX/XXXX I saw an unexpected charge on my XXXX Citi XXXX and Called XXXX at XXXX Am XXXX on sudden charge of {$33.00} I saw on my Card. She said this was a cash advance fee related to the apparent cash advance payments of {$100.00} and {$460.00} made to XXXX that I had disputed. She said she would reverse the charge and that I should talk with the fraud department on the status of receipt and action on my XX/XX/XXXX letter. 

On XX/XX/XXXX at XXXX PM I got connected to the XXXX Department. They said they would re-open my case. 

On XX/XX/XXXX I received an email from Citi that stated they would re-open my case ( see attached ). 

On XX/XX/XXXX I checked my Citi card balance and they had not revered the {$33.00} charge and had added a {$13.00} interest charge related to the XX/XX/XXXX charges. 

ON XX/XX/XXXX I called Citi spoke with XXXX and he said yes they had re-opened the dispute but had decided the dispute was invalid so they had closed the case once again. I asked to talk to supervisor and talked with XXXX. XXXX they would further investigate but that actually originally I should have disputed the charge with the dispute department rather than fraud department. But he reopened the case with case numbers XXXX for the {$100.00} and XXXX for XXXX {$460.00} charge and offered {$100.00} valuable customer credit for my trouble. 

On XX/XX/XXXX I went to my Citicard account to see if I could actually dispute the charge like I was told to do, and saw I could not dispute the charge because it was already closed out. 

I have no confidence that Citicard will reverse the XXXX charges so I need help resolving because I am just getting the run around.

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 2024-01-06 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland mortgage violated code 15 U.S. Code 1681b - Permissible purposes of consumer reports. Midland mortgage did a soft inquiry on my credit report XX/XX/XXXX. I did not owe a debt to them at this time and I never authorized any written permission for this debt collector to pull my credit report. On my transunion credit, it shows a soft inquiry. Its listed as MIDLAND CREDIT MANAGEMENT Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief