vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent Ally finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since Ally has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by Ally When I contacted the 3rd party company XXXX XXXX, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact Ally directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid XXXXXXXX XXXX  on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to XXXX amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement XXXX XXXX has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. XXXX then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.

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 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
We made an appointment to see the XXXX on XX/XX/XXXX at XXXX XXXX I went on vacation and after I found out the people I was with had XXXX I called the XXXX XXXXXXXX XXXX ( XXXX ) to cancel my appointment 1 day before so that he could see other patients. The office manager told us that she would cancel it but there is a {$75.00} cancellation fee that we had to pay. We told them we were never told that there was a cancellation/no show fee. We asked them if they have any confirmation from us that we knowledge the {$75.00} no show fee policy and they said they don't see that and they don't know. 
We have been receiving bill from them and every time I am calling them to tell them that we were never told that there was a cancellation fee the office manager and XXXX in a very bad way telling us it is what it is and we have to pay it. We spoke with them two times including XX/XX/XXXXafter receiving a bill with a letter that they will send it to collection agency and offered them to lower the {$75.00} even though it was never disclosed to us but they did not accept it. 
On XX/XX/XXXX we received a letter from AWA Collections that I owe {$75.00} and if I do not pay it will go to my credit. 
I sent AWA a letter explaining the situation and they still wanted the money and forced us to pay it. I did not want my credit to be damaged and thus, I paid it on XX/XX/2022 over the phone. 
I am a single mom and I don't want them to ruin my credit for something that was never disclosed to me and trying find a help to go after them to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXXXXXX 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 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 2022-04-20 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: Experian Information Solutions Inc.
State: NC

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

as 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 a account without my written instructions

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 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I did ordered 2 pieces of shoe racks from XXXX as a XXXX gift for my XXXXyrs old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, XXXX ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to XXXX balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " XXXX XXXX XXXX' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from XXXX XXXXXXXX to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor XXXX XXXX a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 XXXX Account # XXXX XXXX XXXX XXXX Account # 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 a 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 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 2022-04-20 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: SC

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 XXXX Account # XXXX XXXX XXXX XXXX Account # 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 a 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 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions

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 2022-04-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt for XXXX. I do not owe a funrize company anything. This company created an account due to identity theft fraudulently and proceeded to charge me {$800.00} I emailed this company after XXXX  them, and they told me that the account was banned and couldnt redeem and that all charges would be refunded back to my account. That I wasnt allowed to use their platform which is fine because I dont anyways. They then send me a debt collection letter telling me I owe funrize {$49.00} and {$30.00} in fees 5x I dont owe that because Ive never used this companies platform and dont even have an account with this company. This is a fraudulent debt and not authorized.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2022 Citibank suddenly closed all 3 my citi credit cards.

All my cards are paid on time and meet the minimum requirements.

I communicated with their customer service. They said its their decision and refuse to give any details to me. Also all my reward
s balance are not available.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi bank/Costco My dispute has been closed. I am to pay the unauthorized charge. I did not make the transaction with the merchant. 
I innocently responded to a scam by a company purporting to be XXXX XXXX 
who was trying to refund to my creditcard money they had withdrawn for a XXXX subscription. I had to provide my account number in order to get the refund credited. 
In a few hours I learned it was not XXXX but a scammer that I was dealing with.I immediately closed my Costco Citibank account, but before I could do so, a transaction of {$1700.00} was made. ( three more transactions were denied. ) Perhaps my age is a mitigating factor as I am XXXX ... ..I am somewhat aware of elderly fraud, but " XXXX '' was professional and knowledgable and I an unwitting comsumer who fell for the fraud. 
I am therefore asking that in fairness the charge of {$1700.00} be reversed.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made a purchase through Capital One 's Shopping browser plugin. The Cashback was activated per the plugin and i have screenshot of it. It was supposed to be 15 %, about {$9.00}. I have contacted their Exec. Escalations team and finally got three voicemails that never rang on my cellphone asking me to callback a number that wasn't theirs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2022 Citibank closed my citi checking and saving accounts. 
I have no idea why this will happen. 
I communicated with their customer service. They said its their decision and refuse to give any details 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 explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, XXXX and Transunion. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from 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 non-monetary relief
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, Experian and XXXX. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from 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 non-monetary relief
Consumer complaint received 2022-04-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in credit karma. In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past twenty years lived in a one-bedroom apt . Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.

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 2022-04-20 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: Experian Information Solutions Inc.
State: NE

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 XXXX XXXX : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 A 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 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 INCCURATE

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