vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed 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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things. 
About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing. 
XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Was financially impacted by Covid, missed a payment for Care Credit which I had to get because of the Covid virus didnt have funds available. The account was closed 2 Months later for no apparent reason tried contacting the supervisor about my account she had a horrible attitude and basically told me to kick rocks. As a retailer who offers synchronys card I would hate for anyone to obtain it and is no longer going to recommend it either.

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 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am writing to inquire about a possible resolution to the issue I am facing with the wire transfer scam investigation ( XXXX XXXX # : XXXX, scammer 's Citi account XXXX XXXX ). Recently, I fell victim to a wire transfer scam when I wired {$9400.00} from XXXX to Citibank to purchase a watch as a wedding gift from my wife to me. Unfortunately, the seller never sent the watch and disappeared. To confirm that it was a scam, I conducted an email test from a different account. Since then, I have filed an XXXX report, a police report ( XXXX from XXXX, XXXX ), and an FTC report XXXX XXXX ) regarding this incident. 

On XX/XX/XXXX, I made the wire transfer and realized it was a scam. I promptly filed a claim with the XXXX claims department and initiated a recall on XX/XX/XXXX. Since then, Citibank has requested a police report and a hold harmless letter. XXXX provided both the police report ( XX/XX/XXXX ) as well as the hold harmless letter to Citibank ( sent via physical mail on XX/XX/XXXX and via fax on XX/XX/XXXX ). However, Citibank is unable to process a recall as they are unable to contact the beneficiary to return the funds and advised me to contact the beneficiary directly to resolve this matter. I am unsure how I can contact the scammer to recover the funds. 

Even with the cooperation of authorities like the police department and FBI, the inconsistent responses and lack of support from Citibank have added to my frustration and distress. I understand that I made a mistake, as many people do at some point in their lives, and I take responsibility for it. However, I was trying to save as much money as possible, as those funds were intended for our wedding gift. This situation has left me deeply devastated. I have always believed that a reputable bank like Citibank would stand by its customers, not the scammers. I had hoped for assistance in recovering the funds from the scammer 's bank. I implore you to please offer any help in resolving this case and recovering the funds. Thank you for your attention to this matter.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: NY

Complaint narrative:
National Collegiate Trust illegally sold my debt to XXXX XXXX XXXX XXXX. They contacted my father, XXXX XXXX XXXX, and sent him a bill with an account balance {$13000.00}. They have repeatedly contacted him about my own account status and my financials, despite the fact that I have a XXXX era no-contact order with my own father. They have divulged information such as my address and my phone number to my biological father, and they have sent him a bill in the amount of {$13000.00}. NCT had arranged a payment plan with me that they then reneged on, selling my debt illegally to XXXX XXXX. XXXX XXXX have used profane language when speaking to me, have taken very rude tones, have given information that is incredibly private to people with whom I do not speak, and even took a phone call from someone pretending to be me. Not once did they make an attempt to directly contact me about the debt until XX/XX/XXXX, at which point they were attempting to collect XXXX dollars, and not willing to settle. I was never given any forms about how to dispute the debt and no good-faith attempts were made to resolve this without escalating to a lawsuit. 
The letter I have in my possession is dated for XX/XX/XXXX ; account number : XXXX, balance : XXXX. It is addressed to my FATHER, who forwarded it to me after getting my residential address from XXXX XXXX. When I told the agent that she could not call me, she said, " Well we have to be able to call you. '' I said - well don't, and she indicated that they couldn't not call me. Debt collectors are not entitled to call us whenever they want.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, I am writing this dispute due to I have an account with Synchrony Bank and the representatives at Synchrony Bank did not assist me nor help remedy their automated system error. I had set-up Auto Pay on XX/XX/2023 for the minimum amount of $ XXXX due to be deducted from my main bank account on XX/XX/2023. This date of XX/XX/2023 was confirmed by their account system with a given confirmation number ( # XXXX ) with a notice that a late fee will be charged. This change was well before the payment date and due date on the credit card account. Upon checking my main bank account on XX/XX/2023, there was a payment that was not confirmed/approved made to Synchrony Bank made for the amount of $ XXXX. This caused me to be charged multiple overdraft fees with my main bank and I was told there was nothing that the organization could do about their misinformation in their system. 

Thank you,

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.

Complaint narrative:
Got a prepaid credit card / XXXX  for doing survey But. Everytime input deatails. The card is blocked by the merchant The company keeps saying it is blocked wait 2 to 3 business days then try again. 
Spoke XXXX when tryed add to there systerm And have contacted company lots of times and they just say its blocked Hello XXXX, Here is the Verification Code you need to confirm your identity and access your funds.to XXXX XXXX  : XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tryed lots companys and all say XXXX  use it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
My complaint is with the Pay Bill Process at Bank of America Credit Card using online or mobile app. 

My bill was due on XX/XX/2023 and I wanted to schedule the payment and amount using my checking account information. I used the mobile app which steered me to the ebill and payment process. My intension was to enter my bank routing # and acct # along with the amount and date to make payment but it appears as if Bank of America wants to force customers to schedule payment and amount but before they do so their process verifies that you have an account with the bank and that it has sufficient monies in the acct to make payment. So to verify that the account is valid, they will send 2 small deposits to my account then shortly thereafter debit my account to retrieve the monies. I have a problem with this. 

I don't like any company going into my account. If the account balance is not sufficient to cover the payment that is my problem as a customer and I should be charged whatever fees are appropriate for insufficient payment. I do not need to have Bank of America monitor my ability to manage my checking account. I believe the Bank has over stepped boundaries with customer bill paying. 

In addition, my bank account information would be stored on the screen as well as in their databases which I don't like a result of the rise in data breaches being reported. As Bank of America is not my primary bank and is just a temporary creditor, I do not want to store my bank information. 

The one-time payment option which is suppose to exist will not work unless it includes the verified bank information. So each time a one-time payment is made, the verify process will be invoked. Thus, can't make one-time payment on line or through the mobile app, because they both use the IVR process XXXX 

The one-time payment can only be made using the phone. This is not very convenient and does not work like other banks bill pay process.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a Balance Transfer Promotion for my Citi Mastercard.

Everywhere it state 4.99 % Promotional APR on balance transfers until XX/XX/2024. 

Which is great for today 's interest rate environment. 

Fortunately, I read through it a bit more and noticed there is ALSO a 5 % standard balance transfer fee! 

So, it's not really 4.99 % promotional, but rather 4.99 % APR PLUS an additional 5 % UPFRONT Fee, bringing the loan to cost OVER 10 %! 

That is extremely deceptive. And when I called about it- it was just as confusing speaking with the customer service. I had to hand up and speak with someone else - because they wouldn't be so clear that it was actually a cost over 10 %. They kept saying it was 4.99 %, when I pushed them, seemed there is the ADDITIONAL 5 % charge. 

Unfortunately, i had done an earlier one with them- but think there wasn't the additional fee... just so confusing and deceptive.

I am XXXX XXXX XXXX  XXXX XXXX XXXX. If i'm confused, then clearly most people won't get this. I'm not sure why this is legal and not considered deceptive. Somewhere it should disclose, speak out the total cost. 

-- -- -- -- -- -- - it's also a trap- XXXX once you do the balance transfer, then any new charges are at the full purchase APR, and you have to bring the balance to zero to start paying that new charge. 

Unfortunately, when I did the previous balance transfer and locked my card for further charges - it didn't block recurring charges- even the ones i had changed not to charge- for example, XXXX still charged on that card, even though i changed the CC with them...

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Starting about 5 years ago - vystar continues to charge a nsf fee when a creditor tries to pull a payment that i didnt realize was due & then they double charge & trible charge EVERY time creditor tries to pull. Its XXXX XXXXXXXX. If the funds arent there- it should only be XXXX fee. XXXX XXXX XXXXXXXX just got hit for doing this EXACT same thing.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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