vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
My insurance agent didnt cancel my policies when asked so they canceled for non pay however I sent in prof that the policies were to be canceled and XXXX corrected the dates and sent me a refund as I had actually over paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: LA

Complaint narrative:
Please attached Document stating where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A painting contractor I hired offered me a promotional deal in which I could get financing for 18 months at no interest, as long as I made regular payments. This arrangement was made through Synchrony Bank ( A company that was unfamiliar to me. ) My understanding was that my last payment was due XX/XX/2023. I made payments regularly. However, I received only a couple of statements of my account and no warning that the actual payoff date was XX/XX/2023. I did receive a letter from Synchrony in early XXXX stating they had a problem sending statements to my email account and that they were going to mail me statements instead. No statements have ever been received. If something was wrong with my email, they also had my physical address and my phone number. 
I made a payment of {$10000.00} in XXXX. and on XX/XX/2023 I called Synchrony to make a phone payment and learned that my account balance had jumped by over {$14000.00}. I found that I had been charged the total interest for the total duration of the account on XX/XX/2023. 
I paid off the entire balance in a direct transfer from my credit union, but the $ XXXX interest payment was paid under vigorous protest. 
Synchrony Bank, which has some sort or relationship with XXXX, conducts its business from a number of offices ( I do not mean bank branches ) throughout the country. I was dealing with its office in Florida. Their system is almost completely automated. One has to wander around on their website even to find a phone number. The number is answered by a robot. It states upfront that to talk to a human costs {$10.00}. 
Thus instead of spending hours on the phone talking pointlessly to robots, or spending {$10.00} each on a number of fruitless calls, I am skipping that and complaining to you directly. 
I believe that $ XXXX interest charge was unfair and exorbitant because of the lack of statements advising me of the status of my account. For this kind of an offer, I think I should have been sent regular statements. The statements should clearly indicate the payoff date and balance for the special offer.

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 2023-02-28 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: Millco Management
State: NC

Complaint narrative:
This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXXXXXX XXXX policy I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.

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 2023-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, lending 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XXXX  until about XXXX XXXX XXXX I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX  care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,

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 2023-02-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XXXX til about XXXX XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for long term care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,

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 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: AR

Complaint narrative:
My mortgage company has failed to pay my home owners insurance from my escrow account. It was due XX/XX/XXXX. I have made 3 attempts to get this resolved with no action from the mortgage company. The amount owed is {$3100.00}. They also overcharged me on escrow fees in the amount of approx {$18000.00} and have yet to refund them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX late payment account XXXXXXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXXXXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and XXXX, as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
on or about XX/XX/XXXX, i got a call from capital one credit card .... and they said this was record .... i sent an app for a credit card .... i told them no i did not instered in it ok we will take it off ur credit score hard inquiry on or about XX/XX/XXXX. In XXXX i got a call from them again ... .. i said not again .... i never apply as i said before ... and they said this was record from their phone ok we will take off ur credit score and put a fraud alert on it ... as of XX/XX/XXXX it's not been taken off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: SC

Complaint narrative:
They said an acct was in my name in a city I used to live in with my ex. I have since moved to XXXX XXXX over 3 hours away 7 years ago. I do not live in that home and haven't in 7 years. Since I moved I apparently had things in my name. Me nor my ex live in that home and haven't in 7 years. I'm guessing some of my legal information was left in this home by my ex. I have never had this happen before but because it was in my name, I am left with the responsibility which is not fair. I have a standing XXXX XXXX Payment, Standing XXXX payment, and a Standing credit card that was opened in my name under these thieves. It's destroyed my credit. I didn't know these were in my name until it was already a negative impact. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
Monday, XX/XX/2023 at XXXXXXXX XXXX 

Received a robocall voicemail from XXXX. The voicemail named my first and last name as the intended recipient. '' " This call is from a debt collector. We are calling for Receivables Outsourcing LLC. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return our call to talk about a confidential business matter at XXXX. '' I do not owe any debt, and the voicemail provided no information about the " debt '' amount, the company the debt was for, and how to pay it. I believe this is a scam/phishing attempt. I have received no outstanding bills or balances in writing/via mail from any company or business whatsoever.

Company response to consumer: Closed with explanation