vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: NY

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 act 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NC

Complaint narrative:
In XX/XX/XXXX Umpqua Bank increased my Visa Platinum Credit Card credit availability to {$10000.00}. In XX/XX/XXXX Umpqua Bank decreased my credit availability to {$7000.00}. Umpqua Bank 's decision to decrease my credit availability in XX/XX/XXXX significantly decreased my credit score and negatively impacted me financially. By decreasing my credit availability Umpqua Bank caused my credit usage to go over 30 %. I am now having a difficult time securing a home loan and a car loan.

Umpqua Bank has not provided a clear, specific reason or behavior that I demonstrated that caused them to decrease my available credit by {$3000.00} one month after increasing my available credit as of XX/XX/XXXX. Since opening the credit card in XXXX XXXX  my credit card payments have never been late, I have never charged more than the available credit and have handled my credit card usage responsibly on all of my credit cards.

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
on XX/XX/XXXX, {$3400.00} was withdrawn by PFW Attorneys ( XXXX XXXX XXXX, XXXX NJ XXXX phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX account, Which is a joint account with my wife. to date, i have not received any letter or court invitation regarding this. they said I had a payment left over from XXXX and they said i could dispute it .i contact them too many times and they don't take any action usually hang up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, XXXX, and TransUnion have these codes. I have requested through XXXX, XXXX, and Transunion but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23

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 2023-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus Equifax, XXXX, and XXXX have these codes. I have requested through XXXX, Equifax, and XXXX but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : 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 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 2023-05-01 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: CA

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : 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 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 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I sent XXXX, XX/XX/XXXX I sent XXXX, and XX/XX/XXXX I sent XXXX through XXXX via Wells Fargo. This was all for a deposit and first month rent on a rent house. When I met to get the keys he never showed up and later that day I learned someone lived in the house. Wells Fargo did an investigation but the funds were already transferred and the sent a letter stating the cases were closed that I received 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 2023-05-01 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: NJ

Complaint narrative:
I submitted a dispute with Equifax for account XXXX XXXX, on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX ( 2 days ) confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've had collections from XXXX XXXX  and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.

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 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX BANK XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-05-02 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 want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA XXXX ( XXXX U.S.C. XXXX ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.

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 2023-05-01 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA an FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-01 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I purchased ( with Citi credit card ) some furniture from XXXX XXXX back in XXXX, XXXX. Was given delivery dates for this furniture. Merchant failed to deliver as scheduled, and after much back and forth, I cancelled the order ; never having received anything from this merchant. Merchant refused to reverse the credit card charge because they had no record of charging me ( later admitting this was their accounting error ). I then contacted my CC company ( Citicard ) and disputed the charge, with explanation. Citi initially removed the charge from my account. Over the past few weeks, a representative of the merchant contacted me via email and telephone and acknowledged the problem, and admitted that the merchant made errors in the transaction and they had no record of my credit card, despite charging me the full amount of the purchase. On XX/XX/XXXX, Citi notified me that their investigation was complete, and I was responsible for the charge. 

I have provided Citi with multiple documents outlining this situation, including my credit card receipt ( I was never invoiced for the goods ) and the email acknowledgement from the merchant that I am owed a refund. Despite this documentation, Citi refuses to honor my request for a full credit. 

I received absolutely nothing from the merchant, and as such I am deserving of a full and complete refund for the charge. I have spoken to numerous people in the " Dispute '' department at Citi over the past 2 days, they refuse to allow me to speak with a supervisor, and refuse to offer any further assistance with my issue. 

To restate, I was charged in full on my credit card for goods never received. Merchant has acknowledged the order cancellation, yet Citi refuses to reverse the charge ; in effect forcing me to be financially responsible for good never received.

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 2023-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened two accounts with Citi Bank at the branch in XXXX XXXX, Illinois on XX/XX/XXXX in connection with a promotional offer from the bank. I deposited {$13000.00} in a Savings account and {$1500.00} in a Checking account. A personal banker ( I do not remember her name ) was assisting me to set up the account and XXXX XXXX ( Citi Gold Relationship Manager ) was overseeing the accounts at that time. In XX/XX/XXXX, after consulting with the same personal banker with whom I opened the account, I withdrew {$13000.00} from the Savings account. I was told that she would change the status of my checking account to avoid any monthly fees, and I only needed to keep a minimum balance of {$1500.00} in the account. I kept {$2000.00} in the account to avoid any monthly fees, which was more than the amount that was required. 

In XXXX XXXX I went back to the same branch for some new business transactions, and I found out that my account has only a balance of {$1100.00}. The bank had been charging bank fees of {$25.00} per month for the last three years. I was really shocked that the bank put my account to an inactive status and kept charging the fees. I was never received any notifications or communications by any method regarding this account, while bank continued to charge this exorbitant monthly fee for over three years. 

This is absolutely a bank error and the personal banker never changed the status of my account to avoid the fees as she promised. I am a victim of someones error, and I was robbed over {$1000.00} from my account. For your reference, Im attaching copies of the bank statements for XX/XX/XXXX and XXXX XXXX which was provided by the current local branch manager, XXXX XXXX. XXXX was able to refund {$200.00} of the fees ( because this was the highest amount within her authority level ), and I was told to contact the Retail Bank Executive Response Team for further assistance. Im requesting a refund of the remaining bank fees of approximately {$750.00} to my account. 

I contacted the bank and I was told they sent me two letters regarding the inactivity status of the bank account. I don't remember getting any of them and I normally get so many avertisement for credit card offer and I can't recollect any of their warning letters. I am not sure why the bank put my account in to an " inactivity '' status esspecially during the covid season and was charging {$25.00} every month for that reason. 
please help me to recoup the {$700.00} I lost for bank charges ; it makes no sense.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
SLS is blatantly and repeatedly lying to prevent any communication to attempt to rectify the multiple errors it has created in assuming the administration of my mortgage. 

In attempting to fix the wrong information regarding the covid forbearance I was told a letter was sent regarding it. The letter had nothing to do with the forbearance. When I called to try to find out why SLS lied about this, I was told only 1 supervisor was on staff. Until suddenly another was available, after a 15 minute hold, but the call couldn't be transferred and I would have to wait for a callback. I clearly and repeatedly stated I did not authorize a callback and would not accept one, that the " supervisor '' needed to get on the line. II was ignored. I called again. The " supervisor '' conveniently callled me while I was on the line with SLS, and then suddenly was on " another call '' and so could never actually get on the line. 

I have no tolerance for games and will not be treated in such a way. SLS has no authority to tell me " this is how it's gon na be '' and more importantly has no right to do anything I specifically state is not authorized. It claimed to enter this loan into forbearance without even asking let alone getting permission, but also ignoring the fact that it was already in forbearance. 

SLS has failed at every step and every interaction. This company also fails to follow the law and should be shut down.

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