vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I saw the advertisement from Citi for a limited checking offer to earn {$300.00} and applied for XXXX through the ad since I need a checking account. I followed the steps from " Earn a Cash Bonus in XXXX easy steps '' which step XXXX is to open a checking account by applying directly from this page and offers valid from XX/XX/24 to XX/XX/24. I applied and opened on XX/XX/24 and step XXXX is to do at least XXXX enhanced direct deposits directly into account within 90 days which i did on XX/XX/XXXX and XX/XX/XXXX. Step 3 is earn {$300.00} cash bonus which I did not receive. I chatted with the online rep which claimed that it is an easy fix, and all I had to do was call in and they will fix it by applying the promo code to my account. 
I called in and they claimed 1. Did not know about the promotion and when I proved it to them they 2. said to open a dispute and get back to me within 5 days. They did not get back with me and online rep said I need to call in. This is not an easy 3 steps.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent.

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 2024-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: ME

Complaint narrative:
I was purchasing furniture at XXXX 's XXXX in XXXX, Maine and was prepared to pay for my entire purchase in cash. The salesperson convinced me that they had financing that would have no interest or fees for twelve months and so it was " same as cash ''. I said I would be interested in that and the salesperson asked me for some information and signed me up. I did not get any terms or paperwork. After making the purchase I received my first bill and there was an annual fee of {$49.00}. 

I contacted Fortiva and they refused to refund the charge and were unable to provide any signature or proof that I received and/or agreed to their terms. When I asked for more information they would transfer me to someone else who would just state the same things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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 authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: CA

Complaint narrative:
XXXX I made a transaction of XXXX at the post office, they had a glitch in the system but the money was still taken out of my card. 
I filed a dispute with Wisely ( my bank ) and they wont dispute my transaction they said theres no transaction of XXXX but it shows on my account statement. The post office sent the money to my bank on the XXXX and they received it on the XXXX Wisely is giving me the run around and wont refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My boss XXXX XXXX XXXX  years ago opened an account under my social at BB & T bank here in XXXX XXXX FL. A month later she fired me after confronting her with theft and fraud. When I finally got in touch with fraud, I was told that my phone number was told by XXXX the number was wrong and she gave them her number. I also had a XXXX XXXX account she opened with the same effect.

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 2024-04-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
There is XXXX XXXX XXXX ILLINOIS # Docket Number XXXX the date it was filed XX/XX/year> - its not mine and I didnt authorize no one to do it at all and certainly didnt given any agency to report this with out written consent and I would like to to be removed immediately and also there is a hard inquiry on my consumer report from CBNA. Also according to 15USC 1681c-2 I didnt give anyone or agency written consent to report this on my credit ( consumer ) report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
In XX/XX/year> I had a water damage incident that I submitted a claim for through my insurance company. This claim was finalized and approved some time in XXXXXXXX XXXX 

On XX/XX/year> The insurance company verified a claim payment check was mailed to me. 

From insurance : " This is a two party check to you and your lienholder it will have to be stop paid and resent to you by mail. The lienholder we have on file is United Wholesale Mortgage. '' XXXX XXXX XXXX I received the check & sent it to the mortgage company to endorse and release XX/XX/XXXX they confirmed they received it. 
XX/XX/XXXX they confirmed they released the check to me - 7-10 business days to arrive. 

XX/XX/XXXX - the check arrives & I attempt to deposit. 
XX/XX/XXXX - the bank revokes the deposit, The mortgage company endorsed it incorrectly with the wrong kind of endorsement stamp ( per the bank ). I call them, they apologize and said they would overnight a new check once I send this one back again. I send it back. 

XX/XX/XXXX - mortgage company emails that it was approved and mailed- will take 7-10 business days again as they did not overnight it like they said on the phone XX/XX/XXXX - I call the mortgage company as it hasn't arrived. They sent it to the wrong address again. They apologize and said they will send it out overnighted to make up for it. 

XX/XX/XXXX - I call to check in, they said it was sent yesterday and will arrive in 7-10 business days- not overnighted - again. They have no tracking number for me just a check ID. I said I wanted to speak to someone to provide feedback because I'm losing money each month by discounting XXXX because they have not had a kitchen sink for 6 months now. On the phone they apologize many times. When i ask to speak to someone they don't have an answer for me and say to wait. This back and forth has caused the XXXX to be without a sink for an extra 2 months minimum. I asked if I can get compensated and she didn't directly answer me but apologized. 

I feel completely helpless and trapped as I can not choose my mortgage company at this point and I have not been able to charge a fair XXXX value for my property because the tenants are suffering due to the company 's negligence and inefficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I need to obtain validity of the debt and documentation proving such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
Dating back to XXXX, Waypoint Resource Group claimed that I owed {$100.00} to XXXX. I disputed this debt several times with Waypoint. Over the last 7 years, I have consistently written to the Waypoint and XXXX credit bureau to dispute this debt.I have never received a response from the company but the debt is typically removed from my credit report after the dispute letter is sent to XXXX and Waypoint will wait 6 months or so and place the original debt back on my credit report as though its a new debt with a new origination date. This cycle drops my XXXX XXXX by XXXX points each time since its being added as though its a new debt... for example the origination date on my credit report shows XXXX instead of XXXX. Given that original debt dates back to XXXX, the origination date should reflect that and because its been 7 years, they should no longer be reporting this debt anyway.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Cap1 restricted the card and then keeps asking for more and more documents and I have supplied everything they asked and they closed the account, seized my points, not refunding Annual Fee paid.

They want Utilites bills, I provided ; They want Bank Statements, I provided ; They want proof of income, I provided ; They want ID and SSN, I provided ; And then they closed the account, seized my points, not refunding Annual Fee paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a dispute filed XX/XX/XXXX regarding inaccurate and unverified furnishings on my consumer report. There were 9 inaccuracies reporting and damaging my financial reputation and credibility. After investigating Equifax verified that the furnished information was inaccurate and removed all XXXX disputed inaccuracies. The removal and verification of the inaccuracies proves violations of The Fair Credit Reporting Act, Consumer Financial Protection Act of 2010, Fair Trade Commission Act, The Privacy Act of 1974, The Fair and Accurate Credit Transaction Act as well as a direct violation of 12 CFR 1022, 15 USC 1681 ( a ) ( b ), 15 USC 1681 c ( h ) ( 1 ) INACCURATE AND FALSE REPORTS. There was no validation and or verification provided by me to Equifax before these inaccurate reports were furnished Violating 15 USC 1681 ( b 2 ) ( i ), 15 USC d ( B ) nor was there an opportunity to opt out of the furnishings pursuant 17 CFR 248.124

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
XXXX XXXX XXXX DOES NOT HAVE THE RIGHT TO REPORT MY CREDIT WITHOUT MY AUTHORIZATION. WHO GAVE THESE XXXX XXXX XXXX CONSENT. UNDER THE FAIR DEBT COLLECTING ACT THESE ARE THE VIOLATIONS. 
THESE CREDIT REPORTS HAVE FALSE INFORMATION THAT I ASK TO BE REMOVE. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 USC. 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1681h - Conditions and form of disclosure to consumers 15 U.S. Code 1681j - Charges for certain disclosures 15 U.S. Code 1692k - Civil liability 15 USC 1692e - FALSE OR MISLEADING REPRESENTATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX # XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems has purchased alleged debt from XXXX XXXX and is now trying to illegally collect on debt that I am not responsible for and I have never done business with this company. They have no proof that I owe anything. I need this account removed from all credit reports and profiles as it is negatively affecting my ability to obtain housing for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
I filed a claim for {$130.00} that I did not do they mailed the paperwork on XXXX of XXXX it got to me XXXX XXXX or or XXXX of XXXX it was suppose to be there in 3-5 business XXXX dollar ATM with draw at XXXX I didn't do an XXXX charge to XXXX I didn't do .it states in contact you sign that if there investigation is not done with in XXXX business days you will not may get a temporary credit until they complete the investigation. There refusing to credit my account an they sent me claims that I didn't make so I corrected the error an mailes back my paperwork on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
I reviewed a copy of my credit report and found fraudulent information on this account Please review the information on this XXXX XXXXXXXX XXXX  XXXX account open balance {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I reviewed a copy of my credit report and found fraudulent information on this account Please review the information on this XXXX XXXXXXXX XXXX  XXXX account open balance {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Accounts, Inc.
State: WA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/year> stating I owed XXXX When I went to the website to pay the debt before the 30 days were up the amount jumped to XXXX. I called them and the lady that anwered the phone said she could not help, and no matter what I do nobody can remove the extra {$57.00} from the debt. I pointed out to her that I received the letter on the XXXX of XXXX, and it had not yet been 30 days, but she didn't care. I paid the original amount on the letter. I have receipt of that and can prove reception of the letter on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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