vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have an account from XXXX XXXX XXXX that is now in collections with Credence Resource Management for XXXX $ that I do not recognize. I suspect it is a result of fraud and I have already disputed the account with my credit monitoring service XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
I opened this checking account on XX/XX/2023 in XXXX Ca. My account was closed XXXX and I called more than 11 times to inquiry about the check which is suppose to be mailed out. There is no tracking available. It has been difficult dealing with citibank. I was treated horrible and I will never ever use this bank again.

I can't get a straight answer. The last lady I talked to named XXXX said I should call for 30 days. Citibank has made interest on this money and seem like they are trying to steal my money. 
They have been very unprofessional with me. 
The amount of the check is {$6800.00}.

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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023 at XXXX. I used a Wells Fargo ATM located at XXXX XXXX XXXX ( front facing right ATM ) in XXXX, NC with my XXXX  debit card. I attempted to get a cash deposited to me in the form of {$640.00} with a {$3.00} atm fee. I selected XXXX & XXXX and when the transaction was completed I chose no receipt and the machine when completed gave me my card and only {$280.00} in XXXX came out. As I sat and counted I looked back at the machine and it did not give back the rest of my money. After sitting for a few minutes I panicked and called Wells Fargo and my bank to tell the customer service my issue for a dispute. Although I have to wait 7 days to resolve the issue I have bills that HAVE to be paid immediately and am now stuck.

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 2023-08-17 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: TX

Complaint narrative:
I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX EXPERIAN , AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN AND XXXX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

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 2023-08-17 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PROPEL FINANCIAL SERVICES LLC
State: AZ

Complaint narrative:
I reserved a room for XXXX days on XX/XX/XXXX. There is a {$50.00} per night deposit placed on your card. I reserved the room online and presented the card at check in. A week after checkout the hold was still pending. I called after the XXXX the company claimed was the most it would be held and was told I needed to submit paperwork with the amount, my name, and the last four of the card. My paperwork didnt include the card number but I included it in my email. They said it had to be in the Invoice so I drove to the hotel and got someone at the front desk to print me out and invoice with the card number on it. By this time the phones had been released over XXXX weeks ago and the amount was showing XXXX in their system instead of XXXX so the lady hand wrote the amount up on the invoice. This bank is refusing to refund my money and tell him that I will have to wait until 30 days to get this money back when it was released on XX/XX/XXXX and there is no reason for them to be holding i

Company response to consumer: Untimely response
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I submitted a rebate offer from XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I received two prepaid Visa cards from North Lane Technologies. One was for {$4.00} and one was for {$6.00}. The cards were valid for one year, with an expiration date of XX/XX/XXXX. 

In XX/XX/XXXX, I tried to use the cards, only to find out there was only {$.00} balance on one and {$3.00} on the other.

In the fine print, North Lane charges a maintenance fee of {$3.00} after 6 months, wiping out 70 % of the balance. On XX/XX/XXXX, I called North Lane and requested they reconsider this policy and restore the small amount on my cards. I was met flatly with, No, its in our terms and conditions.

This is a terrible and deceptive practice to claw back money for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NV

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-08-17 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX 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 2023-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
I took out {$350.00} payday loan with a {$400.00} payback on XX/XX/2023, due XX/XX/XXXX,. Asked for emergency extension to my next ( second ) social security direct deposit, vi recently retired due to a XXXX. XXXX, XXXX at XXXX XXXX XXXX XXXX advance America, told me she has to put through the check she has on XX/XX/XXXX, but my SS direct deposit comes on XX/XX/2023. She will trigger my banks overdraft or NSF fees, I barely can pay for XXXX & XXXX, UNTIL XX/XX/XXXX. My bank balance checking is {$2.00} only. 

Will gladly arrange automatic {$400.00} payment for XX/XX/XXXX. Else health and wellness will suffer. 

My name XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: WA

Complaint narrative:
A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
This account is closed yet accumulated interest daily since the closed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back to 2008 I Pay off my 2nd mortgage. 
With Citi mortgage. 
After paying off they just sent me the congratulations for pay off my 2nd mortgage. Don't have any lien holders release.

Today I'm process my new 2nd mortgage with XXXX home loans. 
They asked the lien holders released. 
I call citi mortgage it out of business. 
I was struck right there. 
I sent the email to XXXX It's not respond..

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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, XXXX I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, Synchronic Bank. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of Synchronic Bank. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2023 I logged on my Capital one phone app to check if I had any upgrades to my current capital one credit card. a few options came up but it said on the app, " continue with application. '' So at this point I called into Capital One 's customer service to speak with an account product specialist, his name was " XXXX ''. I asked, If I continued with this new card feature will it open a second account or hit my credit report. XXXX responded to both of my questions with " No they won't it will just be the same card and number just different product. I said thanks and politely hung up the phone. I kept the screen open, and went back to finish the upgrade to my capital one credit card. It was upon finishing the account that I see it had in fact opened a new account with a different card number and different credit balance. I then return to call capital one and learned that what XXXX had told me was in fact false. I not only opened a new account when I did not want to, but it negatively impacted my credit score. I asked capital one to reverse this to which they closed my new account but said once the account was opened, they could not reverse the hit to my credit report. I am absolutely stunned that Capital One would not provide training needed to inform customers of the correct information. This is a eye opening experience. I no longer have trust with capital one and will be requesting they close my accounts and delete what data they are legally allowed to delete under both Federal and Ohio law. What I want to do is hopefully use this service provided by the CFPB to request Capital one reverse the hit to my credit score since their product specialist XXXX told me false information ( he lied to me ) about the upgrade not hitting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I made a payment of {$380.00} to cover the minimum balance. On XX/XX/XXXX I submitted an extra payment of {$3000.00} to pay down my Wellsfargo XXXX XXXX Visa Signature Credit Card balance. Once this payment was submitted my credit limit was dropped {$9000.00} without notice or any explanation. This result has put my livelihood at risk. This is one of the major ways I pay for my child 's daycare and everyday expenses and it comes after making a very large payment of {$30000.00}. At the same time of making this large payment to Wellsfargo and Wellsfargo decreasing my credit limit, it also caused my daughter 's daycare payment to decline and me having to come out of pocket another {$1100.00} days later. I have never been late on a payment. I have always been on time and paying more than the required minimum balance often.

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 2023-08-17 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: TX

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-17 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: TX

Complaint narrative:
I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it 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 2023-08-17 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited {$9500.00} cash into my U.S. bank checking account on XX/XX/2023 and suddenly my account was frozen. US bank told my account is under review for closure and wouldnt give me an explanation why or date when I would get access or receive my funds in the mail. I have been banking with US bank for some time now and never had an issue until now. I am seeking your help to get access to my funds. Please

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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