vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
Affidavit of truth sent to company listed on promissory note. Does not match company on consumer/credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The account in question is a Macy 's XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of XXXX payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in spanish.

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last XXXX of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last XXXX of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the XXXX payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this XXXX check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been mailing several mediation request forms to my address, two were received so far, both closed out as duplicate due to prior mediation from several years ago.. Claim ID XXXX closed out by XXXX XXXX, mediation claims manager, another case ID closed out as well which I do not have number of. Wells Fargo sent these forms due to unresolved damages from accounts opened by Wells Fargo reps which I did not request, did not want, under the premise to used for bill pay when only one account is needed for such service.. At the time, I already had a Wells Fargo checking account open, did not need another. Damages from these unauthorized accounts sustained to this day, was offered a remedy payment amount of {$3700.00} in XXXX of XXXX by XXXX XXXX, nothing received to date. The total amount including IRS taxes is XXXX It appears payment was sent to my old address, which was not verified, after I moved in XXXX of XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Payment was sent via XXXX with no signature to address in XXXX after moving... Please note, this information was explained in numerous prior CFPB complaint regarding missing payment, Wells Fargo reps insist they're replied in, in which case their replies refer to check as cashed which was fraudulently and also explained in prior CFPB complaints.. Needless to say, this issue was not address due to fraudulent check cashing... Further note, the estimated number of complaints filed since XXXX of XXXX is around seventy or more... It appears Wells Fargo has reverted back to sending mediation request forms which are now being closed out as duplicate, despite no payments received to date.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Stated late but no proof was provided to me.

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 2022-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sent via certified mail notice of dispute to Equifax and have not received a response after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
From XX/XX/XXXX throught XX/XX/XXXX of 2022 The the First Horizon portal to monitor my business account has been frozen, I have been trying to resolve this issue ever since the beginning by reaching out to customer service to reactivate portal and issue to still remained unresolved. Finally my portal was reactivated on XX/XX/XXXX at XXXX and I have discovered there were several unauthorized transactions that caused my account to overdraft along with overdraft fees that's has been applied, I asked the customer service representative if she can please waived the fees but she was only able to waive {$70.00}, I also went to my local branch to have fees waived and they will not help me, I've tried to explain unauthorized transactions and they still refused to help, all I want is to have fees waived

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: PNC Bank N.A.
State: FL

Complaint narrative:
To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. 



Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I tried to contact this company about about 2 weeks letting them know that this account was open up fraudulent in my name and the party that open it up has passed away and this company has called me numerous a times harassing me in reference to this and now they are reporting this on my credit bureaus with fraudulent information and this needs to stop and whats crazy is that they allowed someone to open up this account without proper information and now its affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC
State: CA

Complaint narrative:
I paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. 

I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The account in question is a XXXX XXXX XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of XXXX. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last 4 of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the 7 payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this one check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!

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 2022-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to Experian regarding an HIPAA Violation I have not heard a response back since XXXX XXXX. They just didnt respond and as stated by FCRA they are required to respond to my request.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank - XXXX XXXX XXXX Card - charged me for Card Security without my knowledge. I never signed up for card security program and was charged for this without my authorization. I reached out to them and they know they committed fraud and gave me back a portion of my money and said they would open up a case on get back to me. Of course they never did. I call them back and they say the same things every time and I get nowhere. I tried to request all of my statements for the card but they only sent me the statements for the months they refunded me my money so they are holding out on the evidence that shows they committed fraud. XXXX XXXX XXXX is just as guilty they must get some kick back for signing people up with out them knowing. The paper work we got from XXXX XXXX XXXX showing Synchrony bank didnt show where we signed up for this. How can I hold them accountable for their fraudulent actions? What actions can I take to get my money back?

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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. 

my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. 

now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged

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 2022-04-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with Experian was because they had not updated my information since XX/XX/XXXX of XXXX  and we were in the month of XXXX the end of XXXX to be exact. Experian WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. Experian just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a Self builder account Attached is proof of Experian not updating my credit report or giving me the points for 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 explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation