vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
I requested details for the notice sent by this organization. No response from them. I assuming this is a scam organization. 

They did not reply to my letter. 

Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unverified and unauthorized inquiries and collections on my credit report thats need too be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The XXXX for my AMEX-Delta card is XXXX %. The balance on my XXXX statement was {$5400.00} and the payment due date was XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my payments and credits toward my balance was {$5000.00}, meaning I had an unpaid balance by the XX/XX/XXXX due date of {$320.00}. 
On my XXXX statement AMEX says that my prior balance subject to interest rate charge was {$3000.00} and I was charged an interest fee of {$72.00}. This interest charge is well above my XXXX and the balance subject to interest rate charges is incorrect. Moreover, I made a payment of {$320.00} on XX/XX/XXXX XXXX XXXX  days after the XX/XX/XXXX due date so the trailing balance only existed for at most 4 days. 
The XXXX billing statement also says that I had {$6100.00} in new charges and a total balance due of {$6200.00} by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made {$6300.00} in payments ( more than the total balance due on the statement ) and a credit of {$85.00}. This is a total of {$6400.00} in payments and credits for that billing cycle an overpayment of {$180.00} by the XX/XX/XXXX due date. 
However, on my XXXX billing statement, AMEX says that {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 
On XX/XX/2023, I called AMEX Customer Care to resolve this issue of incorrect interest charges and the representative told me that the interest charges are correct and a result of trailing interest resulting from being {$320.00} short in my XXXX  billing cycle grace period. I told the gentleman that I disagree and will file a claim with the CFPB. 
I feel that AMEXs algorithm for calculating interest rate fees is grossly incorrect and needs to be corrected. Think of all the current and prior customers of AMEX negatively impacted by this incorrect algorithm. I want to have my account credited for the incorrect interest rate fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: FL

Complaint narrative:
I submitted dispute with both Transunion and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Been almost 3 years complaining with no help about the fraud that took place. The Cfpb is not helping my case as to the fact almost XXXX was stolen from me by the bank allowing it to be data breached or stole out the mail this is a newer crime that is very high in my state and area, they are completely ignoring my case its been 6 attempts to get the provisional credit like stated in the lawsuit and in the laws to protect in general. I have been belittled by the bank first stating for the first claim I never was sent to escalation team 2-3 years of finding out I was approved, because remind you it to as frozen at first until I verified me, XXXX went and verified me again to I guess boa that I was unaware gives the card out, they sent me to do another escalation claim when I wrote the Cfpb and stated I need to place it, well its XXXX and almost a year into seeking help I still get the ( BOA HAS REQUESTED MORE TIME ) this is unlawful and I want to sue for the bank committing fraud at this time to me by stating lie to me in the mail about th e claim being less rehab 90 days old and resting more time this is my 5 claim and if there was a real investigation there would be no more time needed, please I have tried to plea my case but also Im asking for the Cfpb to send the info to the commission my next step is to contact the news downtown and place a court summons to the bank for the delay of processing my claim lies they stated in 4 packet they have finished this investigation which I know is a lie due to me being honest as welll as them asking for more time please force the provisional credit until the case is over the right way this is a joke to me and anyone thinking they are actually carrying about your money, if th Cfpb cant do it the news or court will.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: GA

Complaint narrative:
I dont have Florida driver license, Checkr refuse to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
U.S Auto sales went bankrupt and did a no recourse dealer retail agreement and then XXXX XXXX XXXX then they resold the debt to West Lake Portfolio Management which is not correct. The debt was written off in a bankruptcy o i no longer own this debt. I did in house financing so if the company went bankrupt so did the debt. I made all my payments on time it say debt paid off on my credit report. Not to mention West Lake has all the incorrect information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/26 when going to the XXXX bank, I noticed that my account was incredibly low on funds. I noticed in my checking account that {$4900.00} was removed to my account from a XXXX XXXX. I knew something was right as I don't have a XXXX XXXX account and the amount was too large. When I entered the bank, I immediately informed a person at the desk about my situation and told me that I was a victim of fraud. They were able to give me the individuals name and was able to have the XXXX get onto an investigation while also freezing my account. The individual was able to gain access my checking account, place in a small amount to tell if it was an active account and then remove a hefty sum, some of which was removed from my savings via overdraft. I filed a police report, and created a new checking account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Back in XXXX I had applied for mortgage assistance and was approved to have the payments that we were behind deferred. The first payment was due in XXXX. I had previously done the payment deferral during covid because it was a hard time. When it was previously done, I could pay it during the month ( of course before the XXXX or it would be considered late ). I was planning on paying the payment on the XXXX. In the beginning of XXXX, I received a notice of default letter. I tried to go online and make the payment for XXXX. It let me but then weeks later ( with no notification ), I received a refund check back in the mail. I don't understand how I could of been approved for the payment deferral and then receive a notice of default. And after that, it was saying I needed to make the payments from XXXX to current and not just XXXX to current. That is not right and should not be allowed to happen. I have since applied for assistance again and am being told my only option is to short sale the home. We've had a tough time and are finally getting back on track, we have plenty of equity on the home and have a large MI monthly payment that could possibly be removed if US Bank was really looking to help homeowners.

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 2023-06-27 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: FL

Complaint narrative:
I submitted dispute with both XXXX and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: FL

Complaint narrative:
I submitted dispute with both XXXX and Experian invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.

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 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
XXXX XXXXI thought I was purchasing a refrigerator and icebox from my sister-in-law and it turns out it was not her. I used the Zelle app through XXXX XXXX  to put the deposit of {$500.00} on the two items. XXXX refused to refund my money. I was told to try to get my money back from Zelle. I have report this issue to multiple agencies : XXXX XXXX, Zelle, Representative XXXX XXXX, Attorney General 's Office, Federal Trade Commission, Federal Reserve, and the Federal Bureau of Investigation. 

The scammer is using the name of XXXX  and email of XXXX through the ZELLE app and is scamming people through XXXX XXXX 

I am also going to put in a complaint to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: OneMain Finance Corporation
State: IA

Complaint narrative:
I found 2 hard inquires on my report and one main financial refuses to take them off! I called and spoke to XXXX from One Main Financial and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted XXXX today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 I noticed my bank account was compromised for XXXX and change. I called the bank. I was transferred to XXXX XXXX department. I was told I was speaking to a person named XXXX XXXX who told me I was a thief ) Then he transferred me to someone who he said was a supervisor named XXXX. ( Who later hung up in my face ) I'm on XXXX XXXX. I told them about a claim I opened up with XXXX XXXX  company that charged my card XXXX. XXXX apologize and refunded my money on XX/XX/XXXX. Wells Fargo told me I stole ( those were XXXX and XXXX XXXX exact words ) XXXX. I said NO WAY. look at my documents. But long story short. Wells Fargo put my Bank account in a negative of over XXXX. Now my XXXX money will be taken from me on XX/XX/2023. And it's jeopardizing me paying my rent. PLEASE HELP ME!! PLEASE!!! I never received or spent XXXX from them. I spent my XXXX from XXXX Because it was my refund

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed an account " XXXX XXXX XXXX XXXX '' this account is closed and it's now it's reporting as open, this is a violation of the FCRA. I want this account removed from my credit report, I intend to file suit if this account isn't removed.

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 2023-06-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief