vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, I have a AMEX Blue Cash Preferred card and I just canceled the card but the question is that there is {$96.00} balance ( reward ) in my card and the company won't give back to me. So I request the company give back to me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. 

The first one is : XXXX XXXX XXXX , XXXX ( also has First National Collection Bureau, LLC listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : XXXX XXXXXXXX XXXX XXXX  Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX First National Collection has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. 

I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-06-21 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: IL

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-06-21 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is my second complaint about the same matter. The first was XXXX. Both complaints are/were against Macy's/Citibank. The first complaint was filed on XX/XX/2023. On XX/XX/2023 Macy 's responded in writing admitting fault in a wrritten letter. Macy 's stated that it was totally at fault, apologized, and said it would correct the erroneous negative information with the three credit bureaus. 

I then joined a credit monitoring service through my bank, XXXX. Apparently one of the credit reporting services corrected the negative late pay and charge off information and my credit score improved slightly though the late pays still showed in my XXXX  score. 

After a month of no action by the other two companies I requested new credit reports and confirmed the negative information on two of the three reports. When I call XXXX I was told that not only had they received nothing from Macy 's to correct the negative information that Macy 's had submitted negative information as recently as XX/XX/2023, ten days after their letter admitting fault. 

These actions and erroneous reporting of negative information I have attempted to correct for nearly seven years. The only positive result I have received was when I filed my first complint with this agency, however the problem persists. 

Thanks again for your help. 

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 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence Resource Management has been relentlessly calling me on my mobile phone for a debt I do not owe. I have told them they are calling the wrong number but continue to call me and bother me. They have been calling me from several different phone numbers. I have reported them to the FTC and tried to block them, but they won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CA

Complaint narrative:
I went to the ATM at the US Bank located in XXXX XXXX, CA on XX/XX/2023. I requested {$300.00} from my account at this ATM and the money was not disbursed. I went into the Branch and they told me that it was not there ATM and that I need to file a complaint with my Debit Card company which I did that same day. I furnished them with a copy of the receipt and they took the dispute and then I got an email stating that it would take until XX/XX/XXXX to process. I received a letter that was sent out on XX/XX/XXXX with claim number XXXX stating that they had research to problem and that they found no evidence that the funds were not dispersed. I am not sure why they took so long to balance the ATM for errors and the ATM also has a camera that they could have viewed of the transaction showing that I did not receive the funds. I call Netspend ( issuer of the debit card ) and they said that I could place another dispute which I did. I never recived the {$300.00} and feel that they have taken my money without any valid reason. I have attached a copy of the receipt from the ATM. I have also attached the letter from Netspend dated XX/XX/2023. I only had one withdrawal that I am disputing. I am not sure why it is showing 2. I did have 2 withdrawals from ATM on same day and it was ok.

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 2023-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: OH

Complaint narrative:
2018 plaza services. 5 years and 1 month old, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, says i owe XXXX $ and have no remembrance of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
After repeated requests for assistance over the phone and in person at a branch, I am still having issues accessing my account. I am frequently locked out of my account and have had to reset usernames and passwords multiple times every week. No one in customer or technical services has been able to help. This is getting frustrating ad I am not able to access my account reliably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When my online Wells Fargo Visa business account showed a balance due of {$0.00} for XXXX, 2023, I assumed I had made my payment, as I do- in full - every month. However, when I went to reconcile my account, I realized I had not made the XXXX payment. When I contacted the bank, I was told that a refund of {$75.00} ( for a product I returned to XXXX ) had been applied as a payment. Since the refund exceeded the minimum payment due of {$41.00}, WFB showed my account as having {$0.00} due. As a result, I did not make the full payment, which will result in interest charges on the remaining balance of {$2000.00} moving forward. 

I contacted WFB and was told that I would have to wait until my next closing statement to see any interest charged to my account. That interest rate is 15.24 %. 

A refund is normally applied as a credit to a credit card account, not as a payment. That is, of course, unless the bank has figured out a way to " inadvertently '' make a mistake that fraudulently increases interest earnings on credit cards. I seriously doubt this is a one-off mistake. Therefore, I think it would be prudent to ask WFB when this practice was begun and how many times customers have had refunds applied as payments, rather than simple credits, resulting in interest charges on the balance due.

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: MA

Complaint narrative:
In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
On the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

AmeriSave Mortgage ( " AmeriSave '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to AmeriSave providing any of my personal identifying information to anyone. AmeriSave never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized AmeriSave to upload any of my personal identifying information to the CFPB portal, which was contained in a document described as a " XXXX XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to XXXX XXXX and the CFPB violates my privacy as well as Federal and State law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
Plaintiff : Sur-name : XXXX, Given name XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Transunion Consumer Solutions The Executive office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : File Number # XXXX Date : XX/XX/2023 This notice serves as Notice of Fault and opportunity to cure your negligence in Violation of the Fair Credit Reporting Act ( XXXX ) Statement of Facts On XX/XX/2023, Plaintiff, sent a dispute letter challenging the response from your company that the description of reinvestigation came from the Bankruptcy court. Account : XXXX XXXX XXXX XXXX  XXXX Attached with the letter was proof from the Bankruptcy court Clerk did not validate the public record listed on my credit file. 

XX/XX/2023 an additional letter was sent not agreeing with latest response from your company not taking liability that the dispute center did not validate the public record on my credit file. 


As of XX/XX/2023, your company has continued to ignore the proof and state the account on my credit file is accurate and has been verified. 

Your company responses not complying with the Law according to the Fair Credit Reporting Act Pursuant to 15 USC 1681i ( 5 ) ( i ), is resulting in making the Defendant ( Transunion Consumer Solutions ) at fault in this matter.

Pursuant to 15 USC 1681i ( 5 ) ( i ), states you must delete any Unverifiable information in the consumers credit file. 

Opportunity to Cure In the event that the Defendant failure to respond to this Affidavit was an oversight, mistake, or otherwise unintentional reinvestigation with your Dispute Center. 

Failure to cure will constitute as negligent by not following the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello, My unauthorized charge claims were denied without an investigation and an explanation. 
I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' My original inquiry : I'm trying to keep my composure. Please bare with me... I would like to report multiple unauthorized charges that just occurred. I do not recognize these charges. I always assumed I misplaced my physical card ages ago in my home, but apparently it was either stolen or lost outside. Ever since the I have only used Cash App for digital purchases. Please, please help me with this situation. I'm literally shaking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-21 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:
Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX XXXX account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX XXXX 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 explanation
Consumer complaint received 2023-06-21 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: TX

Complaint narrative:
My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX XXXX | Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX XXXX | Credit 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 explanation