vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
account hacked and {$20000.00} was transferred to XXXX. 

My only complain is that when a large amount is transferred from my account, I should get a notification just the way they do for credit cards. 

I came to know that my account was hacked when by chance I had accessed my online bank account, had I not done that I wouldn't even know about the fraud activity

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX California Police XXXX. on the date of ( XXXX ) Report Number : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, XXXX, trans Union ). Unfortunately I have yet to receive a response. 
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 Causiong a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gotham Collection Services Corp.
State: FL

Complaint narrative:
Company failed to validate debt as per my written request and has began garnishing my wages. Company also lied stating debt has been validated when it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-07 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a revolving account with XXXX XXXX. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, XXXX XXXX  pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for XXXX items using my line of credit. Again XXXX XXXX  pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear CFPB I received a credit card from US Bank that I never activated in 2021. Thus, the account was inactive. However, I recently received a bill for a charge on that account, which to remind you was never activated. I called US Bank and they said that they would investigate the fraud and credit me. That's fine. But the card was never activated. How can they process a charge for an account that does not have an active card and account? 
That is the reason for reporting this. It implies that they maintain a set of accounts that can receive charges from fraudulent actors instead of purging the account. So, the process of activating a card ensures that I don't use an inactive card, but doesn't ensure that a fraudulent actor is excluded. 
Something to look into. 
kind regards 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 2022-04-07 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: MA

Complaint narrative:
XXXX is reporting an account on my credit report that should not be there. XXXX and XXXX have removed the account, but it is still reporting on Experian. I have proof attached that XXXX ( their collection agency ) does not report on credit and should be removed within 30 days. I also have a copy of the most recent credit report I checked on XX/XX/22.

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 2022-04-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was in XXXX  on XXXX  WITH XXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in XXXX and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX  IN A XXXX  AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM XXXX XXXX, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo wants me pay back a XXXX dollar balance for checks they allowed into my account how is that possible when my account was reported hacked an cards stolen the signature they have on the checks is not my signature i have tried to resolve this issue but due to the fact wells fargo failed on securing my account by letting a person breach my account with a fradulant signature again i reported this incident more then once being able to provide evidence of me reporting before during and after the incident yet im still being hit with the charges due to lack of security an responsibility on the branches end

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 2022-04-07 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: AZ

Complaint narrative:
I spoke with manual at Transunion on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Transunion credit report : XXXX XXXXXXXX XXXX '' late payment amount of {$17.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: VA

Complaint narrative:
I moved out from an apartment near the end of last year. The then-property manager ( I do not know if she still works there ) had my phone number and email, and we were friendly at the time ; I trusted that if there were any issue the company would reach out to me. 

I found out several months later that I had a collection on my credit report when I applied for a loan to finance a personal project and was rejected due to it. This took me by surprise! I went and ordered my credit reports and discovered that Rent Recovery Solutions had reported a past-due balance to XXXX. At first I was confused, as I had given the property manager my final rent payment before I left. I mailed requesting more information and received the documents explaining the alleged " cleaning fee '' and " trash service fee ''. The problems with this are several : XXXX ) No attempt was made to contact me regarding this alleged debt for several months after it was reported to XXXX. If the company was sincere in believing I owed this amount, I would expect that they would behave as collection agencies generally do and attempt to contact me. I construe this an awareness that this debt is not really mine and that Rent Recover is willingly engaging an extortionate exercise. 

2 ) The lease document provides no fee schedule, no obligation to pay fees of this type, or any other language that would create a financial obligation that could result in a debt of this type.

3 ) Even ignoring the above, there is no justification provided for the listed amounts - rather than an invoice for the services provided from a reputable vendor, the numbers have simply been conjured out of thin air. The mere assertion of a debt does not create one.

4 ) Even ignoring the above, the amount would be incorrect, as it has clearly not factored in the {$300.00} security deposit which I paid to the property when I began my lease. 

Despite the obviously deficient documentation, complete lack of meaningful collection activity before I learned about this, and other issues, Rent Recovery did not budge when I sent them my documentation request and advised them that the debt was not mine. In fact, despite knowing the debt in dispute, they reported it to XXXX while I was in the process of disputing it with XXXX! 

In summary, this debt is demonstrably invalid and not mine, and yet Rent Recovery Solutions persists in attempting collection on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX  had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Auto Finance XXXX My vehicle was repossessed for non payment. However I was granted payment extensions for the unpaid months. My car was repossessed without reason after two months despite me having extensions. The company claims that I received 4 extensionsit was also stated by the company that I had three missed payments. They also stated that during the time of extension there were 4 insufficient funds transactions. Which were during the extension period. My last payment was made in XX/XX/2020 and my car was repossessed in XX/XX/XXXX If I was granted 4 extensions according to CAPITAL ONE auto finance. Why was my car repossessed after only 3 months. My car was sold for about XXXX leaving a balance of about XXXX left over. I am currently unable to refinance a vehicle and this is a derogatory mark on my credit. I attempted to settle but I didnt have the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have already filed a complaint with the company. They responded to me with someone elses information. The complaint was closed but Im trying to re-open it because this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX of XXXX. I opened a Synchrony Bank credit card, when I received my bill, I noticed a charge of {$21.00} on XX/XX/XXXX from XXXX XXXX and {$24.00} on XX/XX/XXXX from XXXX XXXX that were not my charges. I contacted the credit card company and told them that these charges were not my charges, and I did not authorize them. Then paid the credit card off. Since then, they have continued to leave these charges on the card charging me astronomical amounts of interest and fees. 
In XXXX. XXXX trying to resolve this. They sent me a list of all charges, that were made on the credit card, along with the payments that were made. Still these XXXX charges are on there. I reviewed all the transactions and agree with all of them except these XXXX transactions from XX/XX/XXXX and XX/XX/XXXX. I have sent the transaction authorized/not authorized list back to the credit card company and still, yet they refuse to remove these XXXX charges and continue to charge astronomical amounts of fees and interest. 
I closed the card on XX/XX/XXXX. The credit card company then took it upon themselves to open another card in my name and transfer these fraudulent charges and fees. And continue to bill me, under a completely different account number. 
Remove fraudulent charges and these astronomical amounts of fees and interest. According to my calculations there maybe a {$90.00} balance. That was put on the card after. XX/XX/XXXX, I don't how that happened because the charge was made, 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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on 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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has charged me thousands of dollars while allowing the same repeat transactions to go through over the last year and a half. I have talked to them and was told it would be made correct and it has not. Today they just took more money. I am going to be closing my accounts but I need my money back. They said they'd fix it and gave me a refund for like XXXX of the XXXX dollars fees, I asked to make the acct unable to over draw. They said they'd do that. they did not.

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