vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: AR

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hi I opened a Apple Card with Goldman Sachs around XX/XX/2021 I then made a purchase for approximately {$1100.00} and they gave me XXXX XXXX as a reward I then returned the purchase and they didnt retrieve the XXXX XXXX but instead charged my account but its not visible on my balance and now they are claiming Im past due 30 days on the {$11.00} and reported it to the credit bureau. When I call XXXX XXXX they say they will investigate but nothing has been done and my credit score dropped almost XXXX points iv not been late on any payments in the last 5 years on all of my accounts and this is really setting me back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I never opened a Credit Card with SYNC Bank. You have no signature from me indicating that i was consenting to the issuance of a Credit Card. This is a Fraudulent account and it must be taken off my account immediately. 
If i was the one who opened this account, where is the application and significant signature authorizing it? If you can't provide me these proofs, then you should relieve me of this burden and restore my account to how it was before this NIGHTMARE!

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I signed up for an Experian account to attempt to unfreeze my previously frozen credit with them. I signed up on XX/XX/2021. 

I never signed up to receive email communication from Experian. I received a marketing email from them on XX/XX/2021. There was no " unsubscribe '' link in the email, because the email claimed it was " important information about my account. '' It was not important information -- they were just marketing more services to me. I replied and asked to be unsubscribed. An automated reply said I was unsubscribed from further emails. 

I've now received two more marketing emails from them, and neither had unsubscribe links. They all claim to be " important information '' but they are just marketing additional services to me. These were received on XX/XX/XXXX and XX/XX/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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has been trying to collect an inaccurate amount of a closed banking account for over 7 years. I have tried in XXXX and XXXX to remove the inaccurate information and they would not. I recently opened a dispute in XX/XX/XXXX and they again did not remove the debt or account from my credit report and actually have no updated where it won't fall off until XXXX XXXX when before the dispute it should of been removed in XX/XX/XXXX. This should be removed right away. The current collections balance is {$230.00} which I never owed.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is regarding my Citibank credit card ending in XXXX, ( 1 ). On or around XX/XX/2021, a payment of {$9500.00} was made to this account from a friend of mine. 

( 2 ). On or around XX/XX/2021 when I checked my account statement I found that the payment was reversed. The description is " REVERSE PAYMENT POSTED IN ERROR ''. 

( 3 ). I called customer representative on XX/XX/2021 and the customer representative told me that the payment was returned because of name mismatch and the fund was returned too.

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 2021-06-29 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: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

Citadel transferred my loan to their XXXX XXXX Citadel XXXX in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus.

4. My credit score has dropped 169 points.

5 My mortgage states still shows the full amount of the deferred amount as due.

6. They are also charging me for hazard insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 05/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. handle this XXXX asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Upon reviewing my credit. I notice my XXXX laws are violated. I sent a letter to the company stating I didn't give permission for 3rd parties to have my info. The company is required to provide all the things that were asked. The company failed by ; The bill does not include a detailed breakdown of any fees. You failed to do the Validation of Debt and XXXX authorization which is - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you In your response, They have failed to provide information within 30 business days. According to the FDCPA and XXXX Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. As a company they are suppose to have those items to verify if they are accurate! That's evidence!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, After 3 months of trying to get Experian on the line in order to fix my identity issue, I reached a new bottom with Experian. 
I've been trying to obtain 3 credit bureau reports using free annual credit report.com and only with Experian I'm not able to verify my identity, AGAIN. 
After calling Experian again for another week I managed to speak to a rep that literally didn't have a clue of my issue and had 0 will to help, transferred me to a supervisor ( XXXX ) just in order to give politically correct answers. 
Literally told me that there is nothing I can do to fix it. 
I just won't accept it, Experian holds information on people 's lives and once they need to fix the minor issue they won't even deal with it. 
Shame on them I want to fix it ASAP as I'm not able to apply to any creditor that checks my credit with Experian

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 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal has closed my account without giving a reason as to why. I was following their terms of service and wrote to them after the fact but all I have received is an automated reply telling me nothing. I depend on PayPal for my business and I feel i am unfairly treated by them. The email linked to my PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Savings Bank is reporting a debt on my file that I do not owe. During this time, I opened an account and ended up getting XXXX from XXXX to XXXX. Under the Sailors act this debt is voided and must be removed from my credit file. Reporting it is unlawful and a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone hacked into my online account with Chase. I have a business account, three personal checking accounts, and one savings account. All the money from all the accounts amounting to over {$50000.00} was transferred to a bank in XXXX with over 20 wire transfers. First they transferred all my money from each account into one account, then they wired the funds to some account and bank in XXXX. All the money from all the accounts were taken. I filed a claim report with Chase and filed a criminal report of the fraud. I provided all the information to Chase and they have denied my claim. They some how believe I was the person who took this action but they won't even provide proof. I can provide proof it wasn't me as I have 2 factor authentication on my accounts. My email and phone number never received a 2 factor notification. I have reviewed the XXXX, XXXX and XXXX login activity and no one ever accessed my account and Chase never sent a notification to me. My family is now without any money and Chase is asking for all the wire fees and overdraft charges because they allowed someone in the middle of the morning to wire ALL our money out of the country. We have never wired money out of the country, never gave Chase the authorization or approval to do so either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is reporting a debt on my credit file that I do not owe. I recently took a look at my husbands credit file as well as mine and noticed this debt. I never received any notices, calls or letters regarding said debt. This is a violation of my 30 day right to dispute which violates my rights under the FCRA and the FDCPA. Not only that, this debt is very old and is past the statute of limitations in Wyoming. This is also past the credit reporting limit. Please remove otherwise we will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal of this 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 non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Please be advised I have requested validation { not verification } of an item reported to you by Transworld Systems. I have received a response that clearly violates my rights according to HIPAA. 

Transworld Systems Inc did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AR

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credits, Incorporated
State: OR

Complaint narrative:
Preferred property tried to charge me {$4000.00} for a broken window and I argued the cost down to {$400.00}, paid it and left the unit. I am now hearing that I am being charged over {$4600.00} by a company that claims to have bought the debt, I asked for proof and they immediately sued me without providing proof. I did not receive notice that I was being sued and was defaulted against. 

The company suing me and is named Credits , Incorporated - based in XXXX, Oregon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for 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 2021-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
CBE GROUP XXXX continues to harrass and threaten me with court action for a payday loan I never took out. This is the second time I've had to contact CFPB about them. Please assist. I DO NOT OWE THEM ANY MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX, sent a letter on XX/XX/2021 regarding to an inaccurate and unknown items on my credit report. I feel like I'm being taken advantage of and being ignored by my disputes. FCRA Section 611 ( A ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been 30 days since then so they should be deleted promptly. I demand these accounts to be deleted immediately as they are causing me stress. I have attached a certified receipt as a proof that they have received my letters and my ID as a validity of my Identification.. This report is possibly to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: SOUTHWEST COLLECTION SERVICES INC.
State: NV

Complaint narrative:
Company did not provided me with any information when asked for a validation of debt because the account is almost 4 years old, company has been reporting inaccurate information to my XXXX  report. Southwest Collection Services has never contacted me in any way shape of form. They are threaten to damage my credit by report higher balances, neither the original creditor or the collection agency will validate the debt, I filed a dispute with XXXX  and they responded by saying the debt is accurate but won't produce any other information.

Company response to consumer: Closed with explanation