vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
Subject : Dispute of Fraudulent Use of Personal Information in Violation of Congressional Fair Credit Reporting Laws I am writing to formally dispute information on my credit report that I is the result of fraudulent use of my personal information without my verbal or written explicit authorization. I am deeply concerned that this issue is in violation of the Congressional Fair Credit Reporting Laws, specifically the Fair Credit Reporting Act ( FCRA ). 
The fraudulent information I dispute is as follows : XACTUS  I have never authorized any individual or entity to report this information on my consumer reporting file. I request an immediate removal. As the FCRA mandates, I am entitled to a fair and timely resolution of this dispute. 
According to the FCRA, you are required to : Conduct a reasonable investigation into the disputed account. 
Notify the creditor involved in the dispute. 
Correct or remove any inaccurate information from my credit report within 30 days. 
Thank you for your prompt attention to this matter. I expect a timely and thorough resolution of this dispute as required by law. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by two employees that no late charges would accrue during the pending forbearance, and it would take 30 days for a decision. 

However, Amerisave took more than 60 days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager.

I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received correspondence from Sunrise Credit Services , Inc., asserting a past due amount of {$12000.00} allegedly owed to them by XXXX XXXX Per their communication, my name and Social Security Number were linked to this purported debt. However, I adamantly declared this as fraudulent activity, emphasizing that I have never been a XXXX XXXX XXXX XXXX and have not authorized the use of my personal information for any educational financing. 

In response to their notification, I promptly contacted Sunrise Credit Services on XX/XX/XXXX, to dispute the claim. Following their advice, I filed a police report and submitted an Identity Theft Report through the Federal Trade Commission ( FTC ). All required documentation, including the FTC theft report, the police report, and a comprehensive letter outlining my entitlements, were sent to Sunrise Credit Services on the same day.

Regrettably, my attempts to seek resolution have been met with silence. Despite several follow-up attempts, the agency has failed to provide any meaningful information or acknowledgment of my documentation. On XX/XX/XXXX, during a follow-up call, a representative claimed ignorance regarding the status of my case and promised to escalate the matter to their manager, XXXX XXXX XXXX 

Disconcertingly, when I contacted Sunrise Credit Services in XX/XX/XXXX, no additional information was forthcoming. The lack of communication persisted until XX/XX/XXXX, when I received another collection letter. Despite my continued efforts to resolve the issue, including phone calls and inquiries, the agency has remained unresponsive. 

In a recent conversation with a representative, I raised concerns about the agency 's non-compliance with the federal Fair Credit Reporting Act, citing their failure to provide requested documents. Shockingly, the representative asserted that my request for documentation implied acknowledgment of the debt 's legitimacy. This distorted interpretation further underscores the incompetence and lack of adherence to regulatory guidelines exhibited by Sunrise Credit Services. 

Given the protracted nature of this unresolved matter, spanning almost three years, I am compelled to bring this case to your attention. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure the rights and protections afforded by law are upheld.

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 2023-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to file a complaint against TranUnion regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681i. 

On XX/XX/2023, I submitted a dispute regarding misinformation on my credit file with TransUnion. The results of their reinvestigation were communicated to me on XX/XX/2023. However, I am concerned that the agency has not provided adequate documentation of the procedures and evidence used during the reinvestigation, as required by U.S. Code 1681i.

The response I received lists a generic course of action, stating, " After a review of your dispute and any provided documentation, we took one or more of the following actions : '' and lists four possible actions they could have taken. One of these actions includes the statement, " determined that the data furnished has previously verified the reported information. If any of the items you disputed were previously verified, a separate communication was sent to you listing those items along with the data furnishes contact information. '' I wish to note that I have not received any separate correspondence regarding the verification of disputed items.

While these are generic options, the response lacks specific details about the actions taken in my case, which is crucial for a thorough understanding of the reinvestigation process. Relying on previously verified information without providing specific details about the verification process raises concerns about the accuracy and thoroughness of the reinvestigation, potentially violating the FCRA and U.S. Code 1681i.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with the FCRA.

Enclosed, please find copies of the relevant documents, including my original dispute, the response ( s ) from Transunion, and any other supporting evidence. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Certified mailed of dispute to Transunion in XXXX to remove incorrect name and incorrect employment and information under status of employment ( XXXX ). When a received copy of report all the incorrect information was not removed as requested.

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 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Informed Collection Company that since I am XXXX and on only Social Security XXXX that I am no longer collectable. 
Collection account is continuing to be " Sold '' to other companies after being informed of my collection status. XXXX XXXX, XXXX account information, same amount!

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 2023-11-09 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: TX

Complaint narrative:
I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts.

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXXXXXX XXXX was paid in full 38 days ago. Experian is the only credit reporting agency that continues to report this information in error.

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 2023-11-09 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: IL

Complaint narrative:
I have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: IL

Complaint narrative:
I have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove.

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 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.

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 2023-11-09 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I call the company and XXXX XXXX time to advise the account is showing late on my credit report for the company Affirm Inc . I did do any business with this company. 2 XXXX XXXXXXXX this account was open XX/XX/2014 I never did business with this company for the past 8 year I AM CALLING XXXX AND LKET THEM KNOW THIS ACCOIUNT WAS AN IDENTIFY THIEF UNDER MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject - Ref. XXXX / Disputed charge of {$260.00}. XXXX Dear Customer Service, On XXXX, XXXX XXXX, I made an on-line reservation to obtain a hotel room at approximately XXXX. I checked out the hotel at XXXX. In the parking lot, there was an incident with my son where he was called a derogatory name. ( He was called the XXXX word. 

I went to tell the front desk, but they were busy. My family did not feel comfortable. I called XXXX customer service immediately. ( The time was around XXXX. ) They provided verbal confirmation that this hotel room would be cancelled. 

I was also communicating through the chat where they told me the same thing. They were very apologetic. 

I had the room on hold for maybe two hours. We never checked in. XXXX XXXXXXXX or XXXX  was not harmed in any way. Due to the mishap that my family experienced on the property, I never doubted that XXXX would not honor their word and reverse the transaction. They could have done that immediately. 

To my dismay and to my surprise, they send an email that they would not refund my money. I was very confused. 

As a long time and loyal American Express customer, I was confident that American Express would take up for me in light of these circumstances. 

Consequently, I did ask XXXX if I could receive a one-night hotel stay in lieu of the refund. I was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Called into fifth third bank to discuss my overdraft fees and deposits the nasty lady transferred me to a different department in the middle of me talking. They have been charging me excessive overdraft fees even when the overdraft is due to disputes and incorrect charges and fifth third has told me regardless of why an overdraft fee is accessed they would not reverse any fees past XXXX dollars. They lady transferred me to the wrong department in the middle of me talking and asking a question. Trying to use their chat support people the agents just send templates and they end the chats without even speaking to me. They are continuing to charge me excessive overdraft fees and refusing to resolve the matters Im so sick of XXXX customer service with this bank at this point I have a Lawsuit filed against a company branch manager XXXX XXXX at the XXXX XXXX XXXX Illinois location referred me to and I named him in that complaint I will now be taking full steps to add fifth third bank as a third party to that lawsuit this is ridiculous. Nasty XXXX customer service and excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-09 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I canceled my Citi Premier credit card account. Citi 's stated policy is to refund the annual fee if the card is cancelled within 37 days of posting the fee to the account. My fee posted XX/XX/XXXX, and I cancelled the card on XX/XX/XXXX. 

I was advised when cancelling that I did not need to pay for the fee, as they would be posting a credit to bring the ending balance to {$0.00}. I subsequently began getting automated calls from Citi stating my balance was past due. 

I called and spoke to a customer service representative, who could not tell me when my credit would post and could not confirm whether my past due balance would be reported to credit bureaus. 

I paid the {$95.00} on XX/XX/XXXX to reduce the risk of this getting flagged on my credit report. Customer service told me that a credit would be posted and then refunded to my bank account or sent via check. 

I have still not received any credit to my Citi account, let alone received the money back. They can not tell me when I should expect it. Now over two months since cancelling the card.

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 2023-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one card that has a hi balance and I never opened it or used it but I know we didnt have someone living in our house who always stole my stuff. Im going through identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
i sent a prior dispute but needed to update we authorized only the charges from XXXX XXXX XXXX XXXXXXXX XXXX CA this is correct the card we now know was duplicated and used after the hacking and texts messages sent

Company response to consumer: Closed with non-monetary relief