vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank fraud and executive services continues to disappoint! I was informed I would receive a check with the full amount of the funds in my account including that from the federal government. Instead, I have a received a check in the amount of what Citi Bank argues was originally in my account prior to the check from the federal government, but absent a few XXXXXXXX XXXX First, I am not being told why this amount was deducted from the amount in my account rior to the check from the federal government. Second, the check I received was nowhere near the amount I was quoted it would be ( i.e., with the addition of the check from the federal government ). Third, Citi Bank has not complied with the Department of Justice 's request on behalf of my lawyer. 

This charade has been ongoing since early XXXX even though Citi Bank has admitted fault by not following protocol at a local Citi Bank branch where the check from the federal government was deposited. In lieu of the local bank following the protocol and submitting the necessary documentation I shared at that location when depositing the check, I have directly provided the documentation to Citi Bank fraud and executive services. However, there still has been no resolution. 

I dare not deposit the check sent to me as I do not trust Citi Bank and am concerned that depositing the amount could be interpreted by Citi Bank as a resolution of this matter- which it certainly is 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 monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please check the that my pay check is added at the beginning and end that would change all ending balances. Wells Fargo gave me an XXXX XXXX XXXX XXXX XXXX XXXX. It is not XXXX years and I could not get the only statement. Also Wells Fargo reported some transactions twice to the Credit bureau and my score was lowered. I was force to spend XXXX to get XXXX dollars rewards. I did XXXX or XXXX balances transfers which I looked for the statement today XX/XX/XXXX and it only shows XXXX transactions. Has not been XXXX years yet. Its been to much writing them and taking with the representatives over the 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectoXXXX I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2024-07-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 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: FL

Complaint narrative:
Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$4200.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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 2024-07-21 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a charge on my credit card statement. I don't recall what the charge is for. There is no contact info about the entity making the charge. That should be required by law. 

I have asked them about it and have not yet received a reply.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted National Credit Adjusters , L.L.C. to request verification of a debt they are reporting. They asked for additional information, which I promptly provided. Despite complying with their request, my subsequent communications have been ignored. 

Account Name : NATIONAL CREDIT ADJUSTERS , L.L.C Account Type : Debt Buyer Date Opened : XX/XX/year> Status : Collection account, {$430.00} past due as of XX/XX/year> Balance : {$430.00} ( balance updated on XX/XX/year> ) Original Creditor : XXXX  Actions Taken by Me : Initial Contact : On [ date of initial contact ], I requested debt verification. 
Provided Additional Information : I provided the requested information promptly. 
Follow-Up : Despite my efforts, my subsequent communications have been ignored. 

Actions Taken by the Company : Requested Additional Information : Upon my initial request, they asked for more information. 
Ignored Subsequent Communications : They failed to respond after receiving the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
Pendrick Capital Partners has sent me numerous letters from different creditors so I have no idea who is collecting on this debt. I asked for a validation of debt and they sent me an non-itemized bill with no contract stating that I had agreed to this debt or that I am the owner of it. I requested to verify what the charges were for and to see if my insurance has been used. I asked them to verify that they were not breaking federal laws by double billing a medi-cal recipient. I asked them to verify they are authorized to collect on this debt in California and have not received anything. I had insurance when this debt was supposedly incurred and there is not billing statement showing what has been paid or what hasn't. I have no idea what this bill is for. There is an ambulance bill from XXXX XXXX XXXX which was referred to the Federal Trade Commission on XX/XX/2020 and also to the consumer sentinel network ( a secure online database operated by the FTC to identify questionable billing practices ). The document they sent me indicates that they might be trying to collect on a debt that has already been flagged by investigators as illegal billing. I was in network and this is unacceptable. If my medical data is with this third party then they have violated HIPAA ; I have not given anyone permission to release my medical information to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX account with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$0.00}. 
The current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: 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 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 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 2024-07-21 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: VA

Complaint narrative:
I disputed these charges off on my account in XX/XX/year> with no response of follow up letter. I have sent information that these charge off does not belong me and no proof were given by the creditors that these accounts belong to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX ( XXXX ) XXXX Account # xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : XXXX XXXX Reason For Dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX (XX/XX/XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2024-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Iwas slate on a few payments back to back I told bridge crest that I would be able to pay the behind amount on the XXXX of XXXX ( I belive it was ) and when I had contacted them the XXXX they said the car had been written off and sold to monarch recovery, and there was nothing more the could do to help. I talked to several different departments and they got very rude with me when I informed them that I too was recording the call for quality assurance they immediately hung up and stopped taking my calls. Then months later actually it shows on my credit report that bridgecrest bought back the debt from monarch recovery then wrote off XXXX of the total saying that I still owe XXXX. According to XXXX  users laws and other laws in place from what I can gather it is illegal to sell off a consumers debt to another company especially out of state, and it is illegal to then buy it back and slap it back on the consumer. All of these events can be viewed via my credit report to testify to their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX trying to purchase a home and I realized I have damages on my credit report. According to the XXXX XXXX XXXX law there should not be any damages on my report it is a defamation to my character. XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXX {$820.00} Several attempts trying to have this company verify this debit. Which only a bill as verification has been sent to me. nothing proving ownership such as a wet signature which has also been request prior per federal law and XXXX XXXX XXXX this information shouldve been provided to prove ownership. Also this police report that has been attached shows that I was a victim of fraud which they neglected to review. This information has been removed from XXXX XXXX XXXX XXXX awhile ago because they really put in the work to investigate the inaccuracies.

Company response to consumer: Closed with non-monetary relief