vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I signed up for a checking account with US bank about four months ago.

$ 5000 monthly limit for external transfers, {$1000.00} daily trasnaciton limit. I am unable to make external transfers out of my account and need to be able to pay rent from my ( external ) XXXX checking account. US Bank won't let me withdraw my money to the XXXX account. 

When transferring, I get a message saying " The transfer amount you have entered exceeds the daily limit for XXXX XXXX XXXX XXXX. '' But I am not over the limit, which is $ 5000 monthly and {$1000.00} daily. 

I called the bank customer service line four times and they were unable to resolve my issue. First I was told the limit would not be raised, and that I could only do {$1000.00} a day. I bregrudingly accepted that and resolved to send {$1000.00} a day. The first {$1000.00} transfer was successful, and received in my external account, but I've been locked out of being able to make transfers since then when I sent that transfer request on XX/XX/XXXX. I cant even transfer in XXXX segments. After calling three times and the issue not being resolved, I filed a complaint and let the bank know on XX/XX/XXXX that a complaint has been made.

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 2023-01-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Macys Credit was a fraud account. Along with others and student loans. I called all companies to advise. Macys is the only one who says they can do nothing about it. This account thats fraud i could not even verify until we went through a process. Now that they have updated my info they keep saying it verified as me. The obvious would be if someone used my info and they updated it to my current info. Of course its going to verify back to 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
Consumer complaint received 2023-01-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint

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 2023-01-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have many Hard Inquires to my Credit report that I was Un aware of. I did not authorize them. I have contacted TransUnion and they want we to report to the FTC and send them a copy when complete. 

foursight XXXX inquires 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 explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: NY

Complaint narrative:
I was sent a notice that I owe {$8.00} to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX. I called the company and I spoke with someone and told them that I did not want the extension that they were charging me for. She said she took care of it and now they are badgering me for {$8.00}. 
I did not check any box to say I wanted an extension and thought it was taken care of. I dont know if the girl I spoke with entered the information into the computer but they keep sending me letters and now its in collections. Would you please help me remedy this situation? 
They already sent me mail that costs half of what they think I owe them! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the GLB Act of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. I did not give your Company permission to report anything to my private property my consumer report. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
Received an email at the beginning of XXXX stating that if I pay the amount due of {$110.00} by XX/XX/XXXX that I would receive a {$75.00} statement credit. I paid the amount ( plus {$10.00} extra ) by the XXXX of XXXX and it was split in to XXXX payments. I called today, XX/XX/, asking about the credit. At first she said that I didnt qualify because it had to be XXXX payment and not split in to XXXX. I told her the email never specified that and it just said to pay {$110.00} by XX/XX/XXXX. She looked in to it and came back and said that I actually didnt qualify because I made the final payment on XX/XX/XXXX, but it didnt post that day. I told her I have a statement that proves otherwise. She told me that theres no way my statement says that because its not true. She told me I didnt qualify and theres nothing she can do about it. I do qualify because I made the payment as required and it was posted in time. This is fraudulent practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: IL

Complaint narrative:
EXPERIAN 'S INVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but EXPERIAN, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 1 ) Account # XXXX XXXX XXXX XXXX 2 ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX  XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is not on EXPERIAN but it is on XXXX with different information and on XXXX with different information. Inaccurate violations as well for XXXX AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.

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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
XX/XX/XXXX in the amount of XXXX dollars owed to heights finance I have asked on multiple occasions for later pay date when I actually be to able to make payments of XXXX the date that was given to company but yet Im constantly seeing that my credit score has fallen after I have made 5 other payments. 

XXXX XXXX XX/XX/XXXX the amount of XXXX I have requested a pay off date when I can actually pay in full the declined as they interest will go up daily after the fact I have been trying to work things out to get it paid and was noted in the contract XXXX XXXX XXXX IN THE amount of XXXX financed vehicle XXXX XXXX XXXX I have been making on time payments yet make credit score has not been boosted for making the payments on time they told me it will when I first purchased back in XX/XX/XXXX yet my credit has not been moved at all as theyre not reporting to the bureaus I suppose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: IL

Complaint narrative:
XXXX XXXX XXXX was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 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 is not on XXXX but it is on Transunion with different information and on XXXX with different information. Inaccurate violations as well for TRANSUNION AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.

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 2023-01-27 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: IL

Complaint narrative:
XXXX XXXX XXXXNVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 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 but it is on XXXX with different information and on Equifax with different information. Inaccurate violations as well for XXXX AND EQUIFAX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had issues with ID Theft. Reported to WF, Iost over {$5400.00}. They said they investigated and closed my claim. This was in 2018 and I never received any of my. Money back. I sufferehuge financial injuries because they were inept at investigating my claim.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX  Bread Cashback Credit Card has NO, as in 0 employees available, online or employed in Customer Service. The website on login : This site cant be reachedThe webpage at https : XXXX? 

I'm afraid of having my records or interests under their care. 

I believe I've Activated this card, but can not verify even this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I XXXX XXXX with Mortgage Company Select Portfolio Servicing. My loan number is XXXX. I am writing in this complaint concerning the too high modification plan. I am asking van you lower the mortgage plan or revise or maybe consider m income on the front end so that I could pay the requested amount of a lower mortgage. I am trying to work with the mortgage company to please help me so that I can stay in he home. I received paper work today and I noticed in he paperwork that on XX/XX/2023 my mortgage is supposed to be 4 % interest rate and my mortgage will b XXXX for 12 months. Can we please go with that plan and put all payments that are late on the back end of the loan. I feel that I am truly being discriminated against. I am asking and willing to pay a less amount that which was the original payment agreement. Select Portfolio has done it before and did not double the mortgage payment at that time. Can my mortgage payment be what was previous agreed upon of XXXX beginning XX/XX/2023 please. I need help in this matter. I also did small home repairs. I already know I will not get what I am asking for because of my race and XXXX. I know foreclosure papers will be sent out. I m jut asking for mercy in this matter to move forward with a affordable mortgage and be happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have a car through XXXXXXXX XXXX and their credit company bridgecrest. I am trying to refinance the loan ( which is still a high ridiculous amount ) and the refinance company says my cat isn't on any of my credit reports.

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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
First of all I was forced to secure funding for additional dental work in the middle of my appointment before they would complete the rest of my root canal. So not only was I forced to do this in the middle of my appointment but the amount of additional cost was misrepresented by {$6500.00}. My treatment plan cost XXXX. I received a XXXX for XXXX. With the requirement that I go to a certain dentist. My treatment plan was drawn up and started by one dentist and then I had a different dentist mid appointment suggest additional work be done. Not explaining the exact cost initially just that it was all necessary work ( which it was legitimate work that I needed ) but when they showed me the paperwork to sign mid appointment while my face is numb and Im laying in the dentist chair. The figures presented to me were roughly {$1500.00} difference. So my original plan was {$14000.00} or so and the new treatment plan was XXXX roughly. But these figures did not take into account my first payment of {$6500.00}. So Im thinking Im committing to less than {$2000.00} of additional work. When it was actually {$6500.00} + {$2000.00} = {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Nationwide Recovery on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Nationwide Recovery via mail on XX/XX/2022. Tracking shows that the letter was received by Nationwide Recovery on XX/XX/2022. It has been more than XXXX  days and I have not received any type of debt validation letter in return. XXXX XXXX XXXX have removed this alleged debt from my Credit Report in good faith ; however it is still being reported to XXXX. I simply ask that this item be deleted from XXXX. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/XXXX I had an amount of XXXX come out of my account ( XXXX XXXX XXXX, CA ). I received a fraud call from Ally Bank and I disputed it with Ally Bank and they sent me a new card. I never authorized this to come out of my account. Ally Bank says it's XXXX, but there is nothing in XXXX that is connected to the Checking account AND there is no record on XXXX of that amount or that seller. Ally Bank is refusing to refund my amount of XXXX and blaming XXXX. This issue has been going on since XX/XX/XXXX. No one would talk to me at Ally Bank and say I had to wait for a letter. I just received a letter about the dispute and Ally Bank said they closed my dispute and I am stuck with missing 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 monetary relief
Consumer complaint received 2023-01-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation