vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. 
and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. 
my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. 
I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. 
the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. 
a day later I called again and still my account is blocked with no access to my money. 
they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. 
I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. 
please help 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 non-monetary relief
Consumer complaint received 2022-12-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my application with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. XXXX submitted foreclosure status on XX/XX/XXXX and then again on XX/XX/XXXX to Experian/XXXX XXXX This was illegal. I disputed it on XX/XX/XXXX with Experian and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to Experian and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now Experian has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have an account with XXXX ending in XXXX that the date of first delinquency was XX/XX/XXXX, this account should therefore have been removed off my credit report on XX/XX/XXXX. Equifax has not done day stating " the info is correct '' however i have supplied documents ( attached in this complaint ) to Equifax showing payment history and a loan analysis sheet indicating the dates of delinquency on the loan and corroborating my statement above. I obtained these documents DIRECTLY from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I went to the dealer, looking for a car ; I explained to the salesperson I was not working ; I just got a job, and he explained nothing to worry about. I was in the middle of a separation, and my vulnerable state made me believe in the right chooice. I never have the contract agreement or XXXX pages attached to this letter. I gave my XXXX savings when I found out the price was overcharge fees I disagreed with were added to the contract. I reached the dealer and claimed there was nothing he could do SINCE I could not understand why they gave me a loan when I barely could make money. I called GM last week, and the agent claimed GM couldn't release the credit application, which I believed was fabricated, for the sales since they never asked me for my tax or income records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/22 submitted dispute to all 3 credit reporting agencies for unknown debt listed from LVNV funding. results indicated n were verified as accurate. sent certified letter on XX/XX/22 to LVNF funding requesting verification of the alleged debt.They have failed to respond and continue to maintain this inaccurate unverifiable debt on my credit report violating the FCTA and FDCPA. I have been unable to resolve this matter with them. 
I intend to pursue legal action against them in federal court for their unlawful violations if they refuse to immediately remove said accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I transferred {$150.00} XXXX ( {$110.00} ) to a friend via Paypal using my credit card. The listed fees for such a transaction are 5 % of the transaction ( min {$0.00}, max {$5.00} USD ) I was charged a fee of {$8.00} USD ( $ XXXX ). 5 % of the transaction is {$5.00} USD, over the max of {$5.00} and well below the {$8.00} USD charged. 

There is no explanation for the fee but the terms of Paypal 's website are quite clear. It is a small amount we are talking about but if they are over-charging people on the regular, this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: NY

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 # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx 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 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 2022-12-16 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: NY

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 # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXXXXXX 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 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company Midland Credit calls multiple times a day and from different numbers, and call daily or every day. They have been informed to contact or correspond by mail only, and have not sent any correspondence by mail to date, but continue to harass me by calling every day multiple times from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had XXXX  and was recently in the XXXX  unable to pay make my payment. I received two late fees in XXXX and XXXX I called to get them reversed because I am going through a hardship and the manager told me she would reverse two when I looked on my statement there was only one reversed I called them to ask them about the second fee and they refuse to reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is not allowing my report to be pulled for a apartment. They are stating that my credit file is blocked, but my credit file is not blocked nor is it frozen. this has caused me to be homeless and not approved for any apartment. i have occurred charges i can not get back from applying to different apartments and being denied due to this " XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX NA Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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 handwritten 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 2022-12-16 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Complaint, XXXX and XXXX against XXXX and Wells Fargo for illegal collection practices. 

I submitted complaint against XXXX and demanded to verify why I was charged for {$490.00} for property taxes if I paid for them from my own funds. 

On XX/XX/2022 " XXXX XXXX '' sent me a letter telling that they received a return from XXXX XXXX office and purportedly forwarded it to fake " servicer '' XXXX for deposit. Which was a lie because XXXX made this check payable to Wells Fargo Bank, not to XXXX. 

According to the XXXX XXXX she cant imagine why XXXX made it payable to Wells Fargo, because Wells Fargo doesnt usually go through XXXX Tax Service they make their own request for tax bills. 

I demand disclosures why XXXX made this check payable to Wells Fargo bank ; which individual employee at XXXX made this deposit ; why Wells Farge collects checks with refund for my property taxes ; which aurthorized employee at Wells Fargo received and deposited this check ; and a copy of the ledger for the account receivable, with the name of the owner of this Account receivable, which can evidence that this check was deposited.

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 2022-12-16 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: WV

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. 

US DEPT ED : # XXXX DP OF EDUC : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX DPT EDXXXX : # 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 2022-12-16 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: WV

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. 

US DEPT ED : # XXXX DP OF EDUC : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX DPT EDXXXX : # 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 explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts and inquiries on my credit profile that needs to be removed, immediately.

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 2022-12-16 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: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts and inquiries on my credit profile that needs to be removed, immediately.

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 2022-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: WA

Complaint narrative:
On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX  ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. 

Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX  is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX  side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. 

No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I broke my lease 1 month early and moved out of the apartment I was renting. The apartment complex then sent my remaining balance owed to GLA collections. My lease was up in XX/XX/2021. I moved out in XX/XX/2021. GLA collections then started reporting my balance owed to the credit bureaus on XX/XX/2021. In XXXX of 2021, they started reporting the same balance to the credit bureaus. Only this time with a different account number. I have tried to dispute this duplicate account, but every time it comes back as verified and accurate when in fact it is not accurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation