vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX My Citibank XXXX Account was frauded by four XXXX XXXX for a total of {$990.00}. 
I never signed up for XXXX and did not even know I had it but Citibank included it in my XXXX XXXX. 
When I discovered it was fraud I immediately called Citibank to cancel the transactions which were still listed as pending. Citibank, who is one of the seven banks who owns XXXX refused despite the pending status because they market XXXX as " XXXX XXXX '' I immediately asked for an investigation and a week later I received a denial form letter from Citibank directing me to " contact the recipient '' even though they knew the reciepient was fraudulent. There was no attempt by Citibank to investigate, thus, Citbank is in violation of Regulation E Citibanks many violations : I contacted them immediately upon discovery of the fraud and while the transactions were still " pending '' and they refused to do anything to try and stop them. 
Citibank lied and told me they have nothing to do with XXXX, when in fact they are one of the seven banks that own XXXX. 
Citibank lied and said they would investigate but instead sent me a denial form letter. 

I received NO BENEFIT from these fraudulent XXXX debits to my checking account, but Citibank did benefit = a quick google search finds that XXXX fraud is EXPLODING. Citibank knows this as a part owner of XXXX but refuses to institute safeguards since they force their customers to bear the losses and wish to continue advertising XXXX as " XXXX XXXX '' I hereby request the CFPB to order Citibank to refund to my checking the fraudulently debited {$990.00} Thank 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 explanation
Consumer complaint received 2023-03-06 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: CT

Complaint narrative:
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
See attached

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 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I received a XXXX test on XX/XX/2022 and the test was covered by my insurance. I have received many, many, many calls from RMP Services LLC regarding this bill, averaging 2-3 calls per day. I told a representative that I would not be paying this debt because it is not my responsibility, it is not valid, it had already been covered by my insurance, and it was a COVID test which was being subsidized by the government so I would not have had a bill even if I did not have insurance - *I did have full coverage medical insurance at the time of the test and the test was 100 % covered by my insurances*. Despite telling the representative this and to stop calling, the company has continued to call and harass me. 

I got the written notice in the mail, and tried to get more information as to why I am still being harassed and on the fraudulent debt through XXXX XXXX 's website but the account number attached to the debt letter is invalid. I have tried calling the number on the letter and have been disconnected every time a representative answers the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}

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 2023-03-06 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX XXXX the following instutions : XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-03-06 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: Westlake Services, LLC
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX  XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE bank Equity Line of Credit 2nd mortgage ~ I applied for a loan modification a year ago and was only responded to in XXXX XXXX I think. I had no income at all and also was on a forbearance with my first mortgage. This very bad loan was started by Washington Mutual as an interest only loan at 3.125 % in XXXX  and then Chase bought out Washington Mutual. The interest rate hadn't changed in a long time and I paid out over XXXX for this XXXX loan over the course of time without any decrease in the principle balance. I explained about extreme financial hardship and was also surprised to find out that they wouldn't even consolidate this loan with the first mortgage even if I could do it. So, I get qualified for a modification with the first trial payments due in XXXX, XXXX and XXXX XXXX for {$210.00} ea. I have a relationship mgr.  XXXX XXXX at ext.XXXX which will drop my calls mostly and I've been calling for at least 2 weeks every day and even before that. I told different customer service workers ( and XXXX ) that I was receiving the bills anyway with the high interest payments now at 6.85 % and 8 %? and was told to ignore the bills because I was making the trial payments. Now the modification documents are including 2 high interest payments to the principle balance ( {$1300.00} ) and I think this is dishonest and goes against the fact that I was already engaged in the modification trial payments!! They come back with a lame excuse that I could cancel the modification so therefore they think adding these payments is justified but that's ludicrous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: PA

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.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
Calls my employer everyday and asks for me and plays the recording saying they are a debt collector trying to collect a debt

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 2023-03-07 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: Adela, Inc
State: MS

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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All companies listed below have violated my rights. 

Achieve XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXXXXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: PA

Complaint narrative:
On my Consumer Report from Transunion dated XX/XX/2023. I noticed 5 pages of Inquires on my consumer report from unknow sources, that I did not consent to, nor benefit from any of the following inquires. along with inacurate dates and account info. block and remove them please. All Promotional Inquiries, All Checking Account And Demand Deposit Account ( DDA ) Activity Inquiries, All Supplement Consumer Credit Information Inquires.

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 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I applied for a loan modification due to a loss of income last year in which credit cards had to be used to get by. Since returning to work my family is in severe credit card debt and are having a hard time making ends meet. I submitted a loan modification with the documents on the portal several times. I called last week and was told my application was held due to child support court order which was uploaded 2 weeks prior. I spoke with a representative who confirmed the documents were received and would send to the person claiming to be working on my account. I then get a letter stating my request has been closed for missing documentation. I am very upset at this bank is terrible at customer service-always wants to verify conversations and phone numbers but has a hard time calling back for issues such as this. My family is barely getting by and this bank doesnt seem to care. All documents were sent on their portal

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 2023-03-06 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 u.s.c 1681 section 602 A states I have the right to privacy.

15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting company 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 2023-03-06 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A states I have the right to privacy.

15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting company 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 2023-03-06 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: IL

Complaint narrative:
In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -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 information is inaccurate, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX  acct XXXX, XXXX  acct XXXX, XXXX acct XXXX, XXXXXXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX act XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXX XXXX acct XXXX, acct XXXX, XXXX acct XXXX, XXXX XXXX  acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX  XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXXXXXX acct 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