vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024. I was a victim of fraud. I I called Citibank to report the fraud on my account. They told me they would investigate the problem. I had a wire transfer from the fraud that they said they would refund back to my account within 24 to 48 hours as it was still pending for {$2000.00} plus a {$25.00} wire transfer fee.When I called back, they told me they were still investigating. I would not be getting the funds back because the transfer had gone through! At a later date on XX/XX/XXXX they informed me that I needed to go to a bank branch and open up a new checking account which I have done. Around the XXXX or XXXX of XXXX, 2024 they told me to go back to a branch and that I could have the {$2000.00} Plus the {$25.00} wire transfer fee put back into my account from a teller from my bank. When I got there I informed the teller that they told me to come to a bank to refund the money {$2000.00} plus the {$25.00} transfer fee. They told me that they could not do it. That the funds had not been released! When I return home, I tried to call the bank again, and they told me that the investigation was ongoing as the transfer had gone through with a bank in XXXX! There is also a transfer from my overdraft line of credit for {$550.00} to my regular checking account I did not make because the scammers took that money out of the account now theyre charging me for that on the overdraft protection as well! I need that returned as I did not make that transfer! I was in the XXXX and going through XXXX, I feel that this was just a runaround to get me off of the phone. I would call them every day to see how the investigation was going. The final call I believe was on the XXXX or XXXX of XXXX and then they informed me that the money was not in the XXXX bank and that they could not return my {$2000.00} plus the {$25.00} Wire transfer fee. I can not afford to lose {$2000.00} plus the {$25.00} wire transfer fee. I am on XXXX until I go back to work and I really need that money back! There was more fraud charges on the account which they did refund, but they would not refund the {$2000.00} plus the two {$25.00} wire transfer fee! Also, every time I called, they just kept switching me from department to department. Nobody knew what they were doing at the bank when I finally spoke to a lady named XXXX in the wire transfer department. She had no empathy and just told me they could not give the funds back. I also asked her to send me all the back up from this account so that I could turn the information in With the complaint! I also asked her to ask her manager to call me back, which I am still waiting for a call and I am still waiting for the paperwork to be mailed to me! The account number that Im going to give to you is the old account number which they have closed!

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
It has been a long time. I received letters from Wells Fargo, made many phone calls and was in a payment plan to remove the debit. I was paying XXXXXXXX  a month until half of the debt was paid then I was told they'd cancel the rest due to identity theft and me being a domestic violence survivor.

Then suddenly the full amount still remains on my credit score and I can't get apartments abd am facing eviction.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Company did not pay taxes on time since XXXX 2021 and cost me hundreds in not thousands in interest and penalties. Further, they created an escrow shortage that significantly increased my payment amount

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREENSKY OPERATIONS, LLC
State: MA

Complaint narrative:
I have been contacted by this company for years and have told them the debt did not belong to me someone illegally used my information and that if it did then the company can provide ( Wet signature proof from original creditor ) but was denied that information. Also was told by manager that they are not removing collection claim so in result of that I will be needing to sue for false claims and a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received an alert from my back regarding fraudulent activity from Cash App ( sub-name XXXX XXXX ). I spoke with my bank, locked my card, and contacted Cash App. They refused to even let me finish, and refused to engage. They were unwilling to be involved in the fact a user was using my card information in an illegal manner. I was hung up on when I indicated I would be recording the conversation after they got hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Inaccurate unverifiable information reported from all three credit bureaus.

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 2024-04-20 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish.

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: MT

Complaint narrative:
This is a scam. I tried to report it and it sent me here. I have no such credit card, and have never even heard of the bank they claim to represent. They have now sent me this message at least a dozen times. Here is the text : This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$390.00} to resolve your Indigo XXXX account originated by XXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I contacted Tenaglia & Hunt, P.A to discuss a debt that they said I have with XXXX XXXX XXXX in the amount {$5900.00}. Tenaglia & Hunt, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to XXXX XXXX XXXX they informed me that they do not have any knowledge of the debt and I would need to speak with Tenaglia & Hunt, P.A.. According to XXXX XXXX XXXX Tenaglia & Hunt, P.A. has had this debt since XXXX. The interaction with Tenaglia & Hunt they have been unresponsive, rude and dismissive over the phone. XXXX XXXX XXXX has told me that they do not know what is going on with the debt and that I need to contact Tenaglia & Hunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: FL

Complaint narrative:
Carmax auto finance is reporting a repossession for a car loan in the amount of {$43000.00} opened in XX/XX/2020, that account is not mine and I sent multiple letters and documents to the credit bureau for the past 18-20 months now, they have yet to resolve this issue, its hurting my ability to buy a house and obtain new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2024 at XXXX est I received an alert from XXXX XXXX and an email from XXXX stating I had a hard inquiry from SYNCB/Sam 's XXXX  ( Hotel and Travel ). I did not iniate this inquiry and contacted XXXX. I placed a freeze on my account and was told I need to get a report from the FTC and write a letter to have the inquiry removed. 

I spoke with a rep at Sam 's credit and my ssn was searched and no record of an account or application. Rep said they will file a dispute with XXXX XXXX to have it removed and I will recieve within 30 days.

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 2024-04-20 00:00:00
Product: Credit reporting 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 writing to you regarding my credit report and, specifically, the XXXX XXXX account identified with the number XXXX. Upon reviewing my credit report recently, I was dismayed to discover the presence of late payments listed in my payment history with this account. 

As a concerned citizen and in compliance with the Fair Credit Reporting Act, Section 1681 of the United States Code ( 15 US Code 1681 ), I would like to point out that I have never incurred any late payments with the mentioned account, nor with any other account appearing on my credit report. 

It is important to emphasize that I have the right to have my credit report accurately reflect my financial history. The late payments appearing on my credit report are not only inaccurate but also compromise my credit integrity and my ability to access financial services in the future.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

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 Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as a single parent ; I'm trying to provide a stable living environment for my XXXX children. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought a ticket for an event, from XXXX, using Pay in 4 option given, by PayPal. I got XXXX 2 days before the event, I messaged the organizer of the event, a few hours before the event. I told them the ticket will not be used, so I requested a refund. They still refused a refund. I informed them I would submit a claim with Paypal. I had proof I had XXXX, If they needed that to process the refund. I then submitted a claim with PayPal, due to having an account with them. I informed PayPal about the situation. They submitted the claim and PayPal found it in XXXXXX/XX/XXXX favor. They removed the money from my XX/XX/XXXXXXXX account, so debt was fully paid. I then went toXX/XX/XXXXXXXX ( third party ) and submitted two claims for the purchase amount. The first Pay in 4 Payment dispute for {$47.00} was found in my favor and the second dispute for remaining amount ALREADY paid for was for {$140.00} out of the total {$180.00}. The Bank found BOTH disputes in the consumer 's favor. A couple weeks later PayPal reversed the charge for the {$140.00} but did not for the remaining {$47.00}? This was for the to show I had never paid them. Now they are filing a charge back. Since the charge was returned to me, PayPal is filing a charge back claim to get the money back they had to pay XX/XX/XXXX XXXXXX/XX/XXXXXXXX confirmed this should have been settled with them so they couldn't do that. Now PayPal has restricted me from using Pay in 4 option and has also sent me to collections for this amount which doesn't make sense why the {$47.00} was completely disregarded when it was part of the debt to be paid. They had the chance to win the dispute againstXX/XX/XXXX XXXX but they failed to respond. Customer service representatives are also incompetent. Even a PayPal customer service representative confirmed I had no outstanding charges and my Payin4 account was in good standing per the screenshots of our chat conversation attached. Stay away from using ANY PayPal services! They do not care for their customers and do not act in good faith. They only care for corporate financial benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I've used a collection agency [ Say XXXX ] to report one of my delinquent tenant. In regards to this I've sent the account around XXXX last week. I didn't receive any response from them for a week and I've called them too but no response. So I've forwarded the account to another collection agency [ Say XXXX ]. After a day or XXXX, Collection agency XXXX came back to me and said they are working on it. I told them I took this account to agency XXXX. Agency XXXX said I broke the agreement. I then called agency XXXX and in XXXX days they gave back the account basically saying they will not pursue. I told the same to agency A. They still say I violated the agreement and I need to pay their XXXX  % fee of the account which is $ XXXX= {$9900.00}. 
Now they reported this amount to one of the credit bureaus. I am attaching the agency agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX, I called TJ MAXX to authorize the opening of my new card. When they mentioned my limit was {$600.00}, I questioned why my credit was lowered. The representative stated on a recorded call, " On XX/XX/2023, the bank made their decision based on your XXXX XXXX credit report. '' I am writing to express my deep shock and profound disappointment regarding an unauthorized credit limit reduction on my TJ Maxx credit card account. Upon opening the account, my approved credit limit was {$1500.00}, a limit I was content with. However, to my utter surprise and dismay, on XX/XX/2023, I discovered that the bank had unilaterally reduced my credit limit to {$600.00} without my consent. 

This reduction was purportedly based on the bank 's inquiry into my XXXX credit report. It is crucial to emphasize that I did not authorize such an inquiry, nor was I informed or consulted about it beforehand. This unilateral action by the bank not only violates the terms of our agreement but also flagrantly infringes upon my civil rights, a violation that I find deeply troubling. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to obtain explicit consent from consumers before accessing their credit reports for any purpose. By conducting an unauthorized inquiry and subsequently using it as a basis for reducing my credit limit, the bank has blatantly disregarded my rights under the FCRA. 

I request immediate action to rectify this matter. Specifically, I urge you to reinstate my original approved credit limit of {$1500.00} and ensure that such unauthorized inquiries are only conducted with proper authorization in the future. 

I am prepared to pursue further action to address this issue and uphold my rights under the law. Therefore, I trust that you will take this matter seriously and respond promptly with a resolution. 

Thank you for your attention to this urgent matter. 

XXXX XXXX XXXX CARD # XXXX XXXX XXXX XXXX XXXX NY 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my XXXX and XXXX report account from JPMCB CARD SERVICES ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XX/XX/2024, payments not applied to my account, reported to credit bureau, XXXX XXXX loans that should he e been forgiven, navient claims they are only bound by the lawsuit to release loans, over 7 months in default. It is impossible to deal with them, they misapplied payments, for XXXX then over paid for XXXX then took XXXX to put in forbearance. For XXXX months, XXXX XXXX XXXX, making payment due again on XXXX, nothing they do is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I was attending XXXX XXXX back in XXXX if 2023 for XXXX, I ended up Not liking it so I transfered over to XXXX in XXXX /XXXX which is cheaper started in XXXX XXXX they said my grant will roll over to the next coarse now that I had a problem I didnt get to complete school they took the money & & XXXX XXXX XXXX for somethings I didnt do a week before I was supposed to graduate in XXXX. Now that they have what they wanted Im stuck here with lots of loans out of nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation