vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I contacted XXXX regarding a debt listed on my credit report from XXXX. XXXX gave me the phone number to contact XXXX XXXX XXXX at XXXX. I indicated I wanted validation and verification of the debt they were attempting to collect. XXXX gave me the number for Foster & Garbus to contact regarding the debt. The gentleman I spoke to not once listened to the reason for my call and was very rude. after 5 minutes he finally listened. I told him I need validation and verification before I could resolve the debt to make sure that company was legitimately accurate to speak about my personal business. He then gave me the number to speak to Compliance at XXXX. The woman on the phone said that was not the correct department to speak with to get validation. She transferred me to a gentleman who was very argumentative and refused to take my new address to send the validation response. I also notified him that If they were legitimate then I would like to settle the account. He then told me, " No settlement, and I need payment in full. I asked him if he is refusing to settle my account, he said I can not. This business has poor customer service and are very argumentized. I wanted information and a written agreement when I do settle the account accurately and they told me about no information in writing. Therefore, they are refusing to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
My name is XXXX XXXX and I suffered identity theft with my XXXX XXXX card which has been canceled and the debt belongs to the company Rausch Sturm and they are trying to charge me {XXXX  and it is not in XXXX XXXX court. I need help and I have already sent a report of identity theft.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UHG, LLC
State: TX

Complaint narrative:
XXXX XXXX and United Holding Group , XXXX are both reporting information to the credit bureaus ; for what appears to be the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received an email message from Macy 's Citibank Credit Card on XXXX that said my account is past due. I know for a fact I made a full payment of the balance of {$68.00}. 

I reviewed my prior email and received an email from Macy 's Citibank on XXXX thanking me for my payment. 

Another email from Macy 's Citibank said that " your bank was unable to process the payment, '' so I called my bank to find out what happened. I spoke to my bank twice today, and the representatives verified that there was no rejection by them for a request for payment.

I called Citibank, and when I informed the guy that I spoke with my bank and there was no rejection by them to process the payment request, he asked me if " I had proof. '' The guy also interrupted me and out of frustration I asked to speak with the supervisor, and I had to verify my tel. no., and also verify that this was a cellular number, which then required him to read a list of issues with cellular phone numbers. I was placed on hold for 15 minutes, and because I gave Citibank my tel. number, I expected a call back. No one called. 

Obviously, there is a problem with processing, but it is not due to an error on my part or my bank 's. I do not want to make another payment, because Citibank 's email to me states that I have a balance of {$99.00} due on my account, and this is wrong. When I made the {$66.00} payment on XXXX, my balance was XXXX. I have not made any purchases with Macy 's since then.

The other problem is that Citibank 's website does not allow the consumer to view their statement ; every time I try, it says Citibank is unable to process the request. So as a consumer, I am informed I owe {$99.00}, but I can not review my statement showing the charges. This is a problem.

One final note : When I spoke with my bank representative and discussed the issue with Citibank, she disclosed that Citibank sent her the exact same message, i.e. that " your bank was unable to process the request. '' She also shared that she could not review her account statement. This means Citibank is messing up, not only on my individual account, but others as well. 

I am upset that Citibank never bothered to return my call, despite giving my tel. no. and having to listen to useless information about cell phones.

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
I recently used Sezzle to buy a couple of items for XXXX. I have used the buy in XXXX payments services before and they help when you are short of cash. I also know that they are very sneaky about getting paid back. I provided them with my bank account number to withdraw all payments when I set up the account in the beginning. I added a credit/debit card to the account to make the actual purchase instore for the items, essentially making the first payment using my debit card. When you go to add your card to your account for purchasing, it makes the distinction between a card to purchase things or to make payments on the account. Again I left my bank account as the way to pay off the purchase. After the XXXX of the year I have fallen upon some very rough financial problems and I'm having a hard time making ends meet and have in fact become homeless. I knew that I had the payments to make to Sezzle and that they had come due and time had gone past their due date. I did not have the funds available in my bank account to cover the items which amounted to {$79.00} with their late fees. The payment was due on XX/XX/XXXX. On XX/XX/XXXX, after working for a friend, he deposited {$120.00} in my bank account late at night while I was asleep. Upon waking up and looking at my phone and my account, I noticed XXXX charges had been made on my debit card from Sezzle, the first was for {$22.00} and the second was for {$57.00}. I immediately called Sezzle to ask why they had withdrawn that money from my debit card. I explained my situation and let them know that was my money for food and shelter for the weekend and also told them that they did not have permission to take anything off of my debit card, only my bank account which is at a totally different banking institution. They said they needed their payment and that it was unfortunate that it happened but there was nothing they could do. I begged them to return the funds, they refused. The told me that it was already processing and there was absolutely nothing they could do on their end. I told them I would go to my card issuer and dispute the charges, and they encouraged me to do so. I have since gone to XXXX, the card issuer and disputed the charges, but they have yet to return any money. My problem here is I know I owe them money, I have a bank account set up for that purpose. The debit card was added, and I repeat here for purchasing only, not for paying the bill as it says so on their app. If that card is for purchasing only then they have no right or business charging it. It's flat out deception and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i made numerous attempts to rectify this issue and they only deleted one account off my report. XXXX failed to verify my accounts on my report. the information is inaccurate should be deleted immediately. this is the second complaint im filing and should be the last.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
We use Capital One for Checking and Savings and utilize their bill payer function to make payments. On XX/XX/2024 we used the bill payer to make a payment of {$350.00} to what we thought was a XXXX credit card account but was in fact a XXXX XXXXXXXX XXXX  account that has been closed for some time ( by accident ). When we realized the error we began contacting both banks to try and recoup the erroneous payment amount. Both banks claimed contacting the other was the proper method for resolving the issue. Our XXXXXXXX XXXX XXXX account has been closed/paid in full for some time ( years ) and there was no payment due to them. Capital One claims they transferred the {$350.00} to XXXX and XXXX has the funds. XXXX claims their policy is to not accept payments for closed/paid in full accounts and that they refused the payment which should have returned it to Capital One/us. Somewhere between these two banks is a payment made in error for {$350.00} and neither is really helping us resolve the situation by having the {$350.00} returned to us. I have spent hours on the phone with each and am my wits end hence why I am seeking help from CFPB to see if they can prompt something from either bank. Capital One claims it was sent, XXXX claims they would reject it/not accept it for a closed account. We filed a dispute with Capital One and they say because the money was sent there is no dispute yet XXXX says they never received nor have the money. One or both of them are not interested in actually investigating and seem content on the money having been deducted from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a follow up to complaint ID XXXX submitted on XX/XX/XXXX. 
This is about the Synchrony Bank/ Care Credit account ending in XXXX. 

Synchrony Bank did not provide ANY of the OALD I requested in the complaint. 

Synchrony Bank provided me with a phony extension number I could supposedly call and ask for more information. It either rings and nobody answers, or it's busy all the time. 
This is obviously a line they provide to people they do not want to talk to. 

XXXX XXXX ( XXXX ) XXXX extension XXXX Synchrony Bank sold this account to XXXX XXXX in XXXX XXXXXX/XX/XXXX, so they claim that they do not have to provide me with any information, because I should talk to XXXX 

This account has been in litigation with XXXX XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX does not have any OALD.

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 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: DC

Complaint narrative:
After learning I had an escrow shortage, I chose to pay the shortage in full on XX/XX/2023, per the information provided to me at the time of my annual escrow analysis. While RoundPoint applied this payment to my escrow account, they have not changed my monthly payment to account for the fact that I have made this payment- despite the fact that their FAQ document included in the escrow analysis stated that " Your scheduled monthly payment will no longer include the shortage collection amount should you choose to pay the shortage in full. '' It has now been 3 additional monthly payments ( XXXX, XXXX, XXXX ) where they continue to include the Escrow shortage amount on my monthly payment. 

On XX/XX/2023, I emailed RoundPoint Mortgage Servicing about this escrow payment and how my monthly payment has not yet been updated. Their automatic response said they would respond within 30 business days. After not hearing from RoundPoint, I emailed them again the week of XX/XX/XXXX. I still have not received any response, to either my first or second inquiry.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In XXXX I began disputing items in my credit report through experian website. XXXX XXXX reviving correspondence from Portfolio Recovery about an alleged debt owed. I was sent a page threatening litigation for debt unpaid. There was some sort of cupn for an unknown balance. 
I disputed it by certified mail according to my consumer rights Pursuant to 15 usc 1692g Sec. 809 ( 8 ) ( fdcpa ) Was sent an account statement and proof of the charged off debt being Sold to Portfolio recovery By XXXXXXXX XXXX Signature page was Not included. I personally have Not validated this debt. 
In XXXX Portfolio recovery sent to me via certified mail a complaint of alleged debt owed in my jurisdiction. 
I answered the complaint to their attorney And to the Debt collected disputed it again in XXXX, was sent correspondence that they had no further obligation to me and that their investigation was complete. 
Portfolio recovery has called me Monday through Friday for over a month. 

They never stopped reporting the debt even after I certified that it was fraudulent. They never produced a signature page and I have reason to believe they have willfully violated my rights as a consumer by not conducting a through investigation and assuming the validity of an actively disputed account. 

As of XX/XX/year> I have sent them by certified mail proof of identities theft ( XXXX breach affirmation ), I am initiating a claim with the XXXX about their harmful policies according to the CRA XXXX. I have requested that they cease all phone contact. 
As of today there are still reporting and this continues to harm me. 
I have spent over {$300.00} attempting to reclaim my identity with the CRAs and have lost in the past year many opportunities for extension of credit in my name. Partially due to portfolio recovery services bad policies, practices and willful non compliance with FCRA guidelines. 
I believe remedy is owed to me from the liable party Portfolio Recovery services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i made numerous attempts to rectify this issue and they only deleted one account off my report. transunion failed to verify my accounts on my report. the information is inaccurate should be deleted immediately. this is the second complaint im filing and should be the last.

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
I got a loan to help a friend in need quickly for {$300.00} and I'm XXXX, XXXX, on XXXX income only and was surprised I was approved but they have continued to withdraw now another payment and to this date I have paid nearly {$2000.00} on a small {$300.00} loan which I never believed it would be that much and I'm shocked ... I've reached out and phoned, but no return call. I did get a copy finally but I am thinking this is excessive and taking advantage of a mentally and physically XXXX person. I feel they need to halt but they don't return my calls or emails Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries were removed from other reporting agencies due to inaccuracies and unknown sources I need these removed immediately 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint is stating that we are 3 months behind and that our payments were returned, I have proof that the money was withdrawn from our bk account, they reported to our credit reports the we are currently 3 months behind, I was behind in XXXX and had made payment arrangements and was told that it would not impact our credit but the did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an account from XXXX XXXX ending in XXXX which is reflecting on my Equifax credit report. This account is not mine. I have disputed with Equifax but they keep saying it was verified as mine. I have a real issue with the investigation process and dont believe they are giving due diligence to ensure my information is updated and corrected. I contacted XXXX Executive Offices by email and requested their assistance. They advised that XXXX requested the account be removed from my report and if it is still there to contact Equifax directly. I have done that and am now requesting the assistance of the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. 

I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). 

XXXX said the underwriter declined my request due to bankruptcy in XXXX. 

This is the second time, within XXXX  months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. 

Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX  Loan in my previous business name. I never applied for a XXXX Loan in XXXX. 

I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. 

I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt 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 explanation