vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had an amount of {$75000.00} deposited on XX/XX/XXXX towards Priority Checking Account of Citibank under the Special Promotion of Cash Bonus of {$1000.00} on fulfilling certain requirements as mentioned on their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the stipulations mentioned therein were met and I have not yet received the Cash Bonus. I called several times and spoken with their Customer Service and also to one of their supervisor, XXXX XXXX on XX/XX/XXXX, but could not get a satisfactory answer other than they have escalated it to their higher-ups. The Supervisor mentioned that I don't have Form W-9 on file. Form W-9 is a request for SSN, which I already have and they have it on file. Filling another form not only will complicate the problem, but may generate another SSN. Also my Debit Card has been blocked, & they don't have the answer 'Why '. If they don't fulfil their obligation, would amount to likely 'Fraud/Scam ', for XXXX  like me. If you need further details, I would be glad to provide them.

Thank you for your cooperation in the 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 monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I tried to access my savings account with Marcus today and I noticed I have been locked out from my account. On XX/XX/XXXX I tried to withdraw my money from there and it hasn't been transferred to my checking account yet. I don't know what is going on, I tried to call them multiple times, but they don't explain to me why my account was blocked and they are not being helpful. They said they will reach out to me in 1-2 business days, but in the meantime I don't have access to my money and I can't do anything but wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The alleged account were not mines and identified as identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
A notice was sent to Nissan Motor Acceptance Company LLC, requesting to validate the debt for Acct # XXXX. I received notice on XX/XX/2023, from Nissan Motor Acceptance Company LLC stating that my debt had been sold to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX. 


Section 604 of the Fair Credit Reporting Act ( FCRA ) states that a creditor can not sell your credit information to a third party without your permission. This includes your credit report, your payment history, and any other information that the creditor has about you. 

I never gave Nissan Motor Acceptance Company LLC to sell my credit information. This is a violation of the FCRA. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC, to stop reporting negatively on my credit report. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC to remove itself from my credit report and to notify all ( 3 ) Credit Bureaus Despite, the debt collection being listed as a charge-off and sold to a third party without my permission or knowledge. Nissan Motor Acceptance Company has continued to report late payments to the ( 3 ) Credit Bureaus. 

This is another violation of the Section 604 ( a ) of the FCRA. Once a debt has been sold to a third party, the original creditor can no longer report late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX on XXXX received a phone call form ( XXXX ) XXXX explaining to me they need to verify personal information to have a process server come to my home because I was being sued. 

I asked what this was about and asked for their name, but the female representative did not give me her name, nor could she tell me why. 

I explained I was not comfortable give her any information, so she gave me the name of her law firm " XXXX XXXX XXXX  '' along with the phone number ( XXXX ) XXXX. She gave me a reference number " XXXX ''. 

I called the above number, a receptionist picked up the line. I explained what happened and gave her the reference number. Again, the person did not give me her name, and stated an attorney would be with me in a moment. After about XXXX seconds, she came back on the line and stated the lawyer was in a meeting, and she could help me. 

She stated I owed over {$13000.00} on a XXXX credit card from CITI Bank that was close doff in XXXX. I stated I need to see paperwork on this accusation. The receptionist stated we received something in the mail on XX/XX/XXXX, but we never received any notices or letters regarding this. I asked if she could mail it with signature confirmation, or if the process server could give that information to us. 

She stated we're going to lose our home because they were going to put a levy on it, and we'd be in financial ruin if we don't " resolve this debt today ''. 

I thought this business was a law firm, but I think they deceived me because they sounded like a debt collection company. 

I've never been threatened like that before, and didn't know who to turn to. Any help would be appreciated. 

I have a copy of my phone log wit timestamps if needed.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I did a maintence repair for a costumer and was payed with a check the information was not verify on the check and was believed to be fraudulent and as a result previous chase account was closed and I have been denied opening a new account at diffrent banks and branches

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CO

Complaint narrative:
XXXX XXXX XXXX, I reported my card stolen/lost. 
A new card was issued but never received by me. 
In XXXX XXXX XXXX, I started seeing charges to my card. 
This company does not have a mobile app or way to notify you of late fees. 
So at the end of XX/XX/XXXX, I saw a late/missed payment on my credit card. 
I notified the First Progress of this and they started a fraud investigation. 
On XX/XX/XXXX, the charges were removed but their late fees and interest was not. 
I called & asked why and they stated they would be removed in 30 days as another department had to do that. 

On XX/XX/XXXX, I called and asked why the fees were not removed and why was the late fees still showing up on my credit report, the bank stated I would need to start another investigation to remove the late fees. 

They showed me the card members agreement that stated as such on page 10 but the rep refused to answer the bottom half of the agreement on Page 10 that states I would not be assessed any fees or penalties during the investigation, as well at the the bottom half of it that states all fees, interest, and charges would be removed after completion of the investigation. 

So the late payments are still showing up on my report and the late fees plus interest for those fees are still on my account unless I start another investigation that may take up to 90 days to close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Back in XXXX I booked a trip through XXXX airline I had caught XXXX couldn't make the flight XXXX said I was a no show and took the money out of my account I gave my bank which is capital one documents from the XXXX representative stating it was over 30 days therefore nothing that they can do on they end capital one received that document as well as a discharge from the hospital when I was admitted due to XXXX they are refusing to give me my money back and keeps wanting me to reach out to XXXX where it's been 90 plus days since the booking XXXX no longer can assist me capital one has documents stating what I'm saying is true and they have yet to return my money back to account which is over 300 for a flight I never got on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: SC

Complaint narrative:
The alleged account were not mines and identified as identity theft

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Incorrect Previous Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding an incorrect previous address listed on my credit report. I have discovered that the credit report from Experian contains inaccurate information that adversely affects my credit history and financial reputation. 

Specifically, the incorrect previous address appearing on my credit report is as follows : - Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Correct Previous Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have thoroughly reviewed my records and possess verifiable documentation confirming my correct previous address. These documents serve as clear evidence of my accurate previous address. 

I kindly request your assistance in rectifying this error promptly. Please ensure that the inaccurate previous address is corrected or removed from my credit report to accurately reflect my credit history. 

Enclosed with this complaint letter, you will find copies of the relevant supporting documents, including [ list the attached documents ]. These documents substantiate my claim and will aid in your investigation of this matter. 

I understand that the Consumer Financial Protection Bureau acts as an intermediary between consumers and credit reporting agencies. Therefore, I kindly request that you forward this complaint to the appropriate credit reporting agency, ensuring a thorough investigation and prompt resolution of this dispute. 

I appreciate your attention to this matter and your efforts in resolving this dispute. Please keep me informed of any progress or updates regarding the investigation. I eagerly anticipate the correction of my credit report and the removal of the inaccurate previous address. 

Also I am no longer employed with XXXX XXXXXXXX. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXXXXXX XXXX concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
First of all, Selene Finance LP is a corrupt organization, and they need to be investigated for their activities that violate consumer protection laws. 

My most recent issue with Selene ( who is the servicer for my loan which is owned by their parent company XXXX XXXX has to do with the two most recent mortgage statements that I received. 

On XX/XX/XXXX, we received our mortgage statement with the coupon for the XX/XX/XXXX mortgage payment. This statement was dated XX/XX/XXXX. It is common that Selene does not actually send out its correspondence on the date listed on their correspondence, but 14 days is a little ridiculous -- and we were getting worried that we hadn't received our mortgage statement. ( As everyone is aware, Selene is not kind about late payments. ) Then on XX/XX/XXXX, we received a second mortgage statement for XXXX -- this statement was dated XX/XX/XXXX -- so it arrived about 20 days after the date of the statement. That statement listed XX/XX/XXXX as our payment date, but we didn't even receive it until XX/XX/XXXX. 

Furthermore, I am uncertain why Selene sent out multiple statements for the same month. It made us wonder whether there was something wrong with our account, or something wrong with Selene 's managing of our account. 

Selene has continued to show reckless disregard for clear communication with its customers. Its consistent practice of back-dating correspondence exacerbates the issue ( and may be a violation of law ). 

As you investigate this complaint and other complaints against Selene, I would ask that you please consider removing the license that allows Selene to practice debt collection due to their substantive and consistent abuses of their customers. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: IL

Complaint narrative:
I took a look at my consumer report and identified some unauthorized items from my file. These items need to be blocked and deleted from my file immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I entered a local US Bank branch this afternoon to pay the {$1.00} my account was overdrawn because of THEIR account fee, with CASH, and close my account. The teller took my {$1.00} in CASH and entered it as a CREDIT deposit instead of a CASH deposit and told me that she couldn't close my account because the " system '' wouldn't allow it as the CREDIT deposit is " pending '' yet my account balance is now $ XXXX!! The teller then informs me that " she'll write herself a note '' and get into my account TOMORROW and close it then. My CASH deposit of {$1.00} should have posted immediately, it is NOT a check and is NOT over whatever limit they have set on available funds after a CASH deposit. I have absolutely no confidence that my account will be closed and I do believe it is within my legal rights as a consumer to close out my account after making a CASH deposit that brings my account balance to $ XXXX! Contact was made with US Bank and I spoke to no less than five ( 5 ) human agents who continued to insist there was no one available to neither own responsibility for this issue nor access my account and close it down. In the meantime I am left in limbo with an open account relying on an employee who works for a banking institution that has screwed me over every chance it gets to close an account down for a customer who's information is now plastered all over a scrap of paper that could end up in ANYONE 'S hands. This is not the first fraudulent act they have committed with my accounts, but this will be the last. Now they have given me no choice but to file a complaint and pursue all legal remedies at this point. I want this account closed NOW or an audit of the entire institution and it's financial practices done. I have the right to close my account when my balance is $ XXXX, and made every attempt to do just that both in person in a branch and on the phone not more than an hour later with a total of six ( 6 ) different HUMANS today all lying to me telling me NOBODY can get into their system and fix the issue or close my account! I'm supposed to just sit here and wait while my account remains open with a XXXX balance for yet another HUMAN to keep not only my information on a piece of scrap paper safe but expect and rely on that same HUMAN to actually remember to follow through with this tomorrow?!?!? SERIOUSLY??

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 2023-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
I contacted the XXXX  office who has the debt, this vehicle broke down immediately after having it not long. the dealership sold bad cars and had a reputation and was closed down right after I purchased. I was told by the dealer that they knew the car was a bad vehicle yet still sold it to me. they told me to contact the lendor XXXX XXXX XXXX  refuses to answer.

Company response to consumer: Closed with explanation