vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

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 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Acquisitions Group
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Noted several pending transactions on Citi Mastercard beginning XX/XX/22, {$1.00}, {$100.00} and then four for {$500.00} each. Reported fraud, card cancelled and new card issued. Two of the {$500.00} charges posted for merchant XXXX XXXX XXXX. Called Citi on XX/XX/22 and while advised not responsible for charges, unable to block or note temporary credit for these disputed transactions. Was advised I would have to await the response from the merchant which could take up to three months, and that " the ball is in their court. ''

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 2022-07-24 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 Credit Reporting Act. XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX my rights to privacy have been violated. By illegally publishing Bankruptcy case # XXXX with out my consent. 
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.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX account money was deposited and withdrawn by several different names thru a XXXX acct. have never open a XXXX account or received any phone call or message approving this. These were unauthorized charges that I did not authorized. After researching more information on this XXXX I have recently found that Truist Bank is a part of XXXX. 
XX/XX/XXXX I called the XXXX. Which is the number with truist to file a claim. That same same day I went to the local bank spoke XXXX XXXX to help me with this claim. I received a claim confirmation number. That I was informed that they would have to mail me paperwork to fill out and I would have to get notarized signature with detail information regarding my claim. On XX/XX/XXXX I received email that they did not find an error that occurred. This is not acceptable.. at any circumstances did I sign up or approve any XXXX exchange thru my account.

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 2022-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates contacted me earlier this year, it was a phone number from Tennessee. Woman left a voicemail and told me to contact them. I mailed a letter to their headquarters requesting they stop calling me, and asked them to provide written documentation that I owed whatever they were trying to collect. About a month ago I got another call from Portfolio Recovery, this time from a California number. They did not leave a voicemail. Last Thursday, XX/XX/XXXX, at XXXX pm, I received another phone call from Portfolio Recovery, no voicemail. That phone number was ( XXXX ) XXXX. At no time has Portfolio provided me any information via the USPS mail. 

I have no debts of any type. I own my home and car. Student loans were paid off 30 years ago. Credit cards are paid in full each month. My credit reports show nothing. I want the phone calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done 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 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
DATES : CURRENTLY Comenity Bank did the financing for a retailer called XXXX XXXX XXXX. A couple of years ago, we all got letters stating they were no longer doing the financing and all of the accounts would be closed. We could still make payments on line, until last month. 

Supposedly they did some kind of update and now no one can access their on line accounts open or closed. They claim : We apologize you are unable to login at this time. Were working diligently to restore all customer service capabilities. This has been going on for at least 2 months. I was able to successfully make a payment by phone using their automated system last month, but apparently there are many who can not even do that. 

The bottom line is that they screwed this up and seem to be in no rush to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
When I was using my online banking at usbank.com, I saw a targeted offer saying that " Redeem your checking offer ''. When I clicked the offer, I saw the offer says " Earn up to {$500.00} when you open a new eligible U.S. Bank checking account and complete required activities. '' ( Attachment XXXX ). So I went ahead to apply and was approved for the checking account. ( Attachment 2 ). I finished the {$500.00} offer requirement " recurring direct deposits of two or more that total more than {$5000.00} '' and did not receive the bonus. After several conversations with XXXX from US bank customer service, I was told that my account isnt illegible for the promotions " due to having a prior account within 24 months of account opening and receiving bonus within 24 months of account opening ''. I replied to XXXX saying that " I was targeted this {$500.00} offer from US bank in my online banking, and I was not aware of the 24 months requirement. I clicked the offer, the offer code was prefilled, and my account was opened as usual, without any kind of warning saying that I could not get the offer. If I was warned in any way or my application was just rejected, I would not try to complete the requirements. Now the requirements have been completed for a while, and I would request the offer to be honored. '' The reply I got from XXXX saying " while I truly wish I could say otherwise bonus are done systematically so, we dont have a way to override the system, and apply the bonus ... ''

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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for XXXX reward program credit card with Chase for three free nights certificate if spend $ XXXX within 3 months of the account opening. Within few weeks Chase offered exactly same credit card for five free nights if spend $ XXXX. Chase asked existing customers to call customer service if a customer wants to switch to new five nights to check their eligibility. I called Chase customer service on XXXX Sunday at XXXX and spoke with a lady from Chase XXXX I requested to switch my offer from 3 nights to 5 nights and the rep said everyone here knows the process. Please call us back as soon as you spend {$5000.00} within 3 months and we will file a report with our marketing department to get you 5 nights certificate. The lady put a note in my account that I intended to spend {$5000.00} to get the 5 free nights certificate. Account was opened on XX/XX/XXXX so I needed to spend {$5000.00} by mid XXXX to get the 5 nights certificate, which I spent ahead of the deadline to get the promised 5 nights reward certificate. 

Chase never issued me the 5 nights reward certificates, although I followed up with them few times. On XX/XX/22, I spoke with a Chase customer service representative and the rep said she read all the notes in my account and she said since they advised you to spend $ XXXX, I will escalated the issue and said they should approve as per the previous conversation customer already spent $ XXXX. Chase definitely should honor the 5 nights certificate to me as they promised and avoid discrimination as I was eligible for 5 reward certificates. Please kindly investigate the whole program for innocent customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good afternoon, I have already solved my problem, but I need to alert you of improper marketing and misleading website by Experian. 
I had to unfreeze my credit reports recently and two things Experian did were shady : 1- Their web interface for " scheduling a temporary thaw '' of the report did not work. The frames for picking a calendar date did not load, and so I had to simply unfreeze the report wholesale for a few hours. 
2- Upon returning to their website to re-freeze the report, I could not find the right button to re-freeze my report. They do not have the freeze/unfreeze tool easily accessible on the website through the main account workflow. They MUST be required to have this, as it is required by law, but instead it required searching on 3rd party websites to find their freeze/unfreeze section which I had to sign in separately for. 
Instead, they tried to up-sell me on paid products called " credit lock '' which appear to impersonate the credit freeze. 

I am astounded that this level of shady behavior is allowed by a major credit reporting company over which you are supposed to have jurisdiction. I am a XXXX XXXX professional with a XXXX XXXX, and it took me over half an hour to figure out how to avoid paying hundreds of dollars/year for a " credit lock '' instead of the " credit freeze '' that I am entitled to by law. This simply can not be allowed. 

Please do not let them get away with the scam, take care, -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 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My XXXX payments were stolen when my direct deposit form was altered by a XXXX employee ( XXXX is the XXXX  XXXX for WellsFargo ) and the money was sent to a fraudsters account at Wells Fargo. XXXX XXXX and Wells Fargo would not listen to me for almost 2 years. I made XXXX calls and multiple emails to various employees there. I provided my bank statements over and over as proof that I didnt receive the payments and they totally ignored me. In the meantime they were sending me threateningly collection letters for overpayments that I never received. Finally, they looked at the direct deposit form and the voided check which were obviously altered with fraudulent routing and account numbers that werent mine. All my XXXX checks went into the fraudsters account which was opened using my name. I also asked for the documents used to open the account at Wells Fargo, ID, application form, etc. They keep saying they will escalate request and send me the documents but then dont send to me. 

I need them to reconcile the money they owe me and they are dragging their feet. 

I can provide all documents needed to support my assertions. Just let me know what you need. 

I do not get calls or emails returned from my case manager, XXXX XXXX. The Appeals Consultant referred me to the Financial Recovery Manager and she forwarded my email concerning the fraud on my account. Wells Fargo has been totally unresponsive, too. 

I want the benefits that were stolen from me XX/XX/XXXX thru ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, AZ XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I want to see if I can open an account with chase bank Chase bank decided to end up business relationship with me even though I have never had an account with Chase before I had three fraudulent chase accounts which were open under my name I recorded the incident to Chase and I reported the Incident to the federal trade commission Chase investigated the claim and found the claim in my favor So I want to see if now I am able to banquet Chase because this would be my first bank account with Chase and I want to bank with the best bank in the United States

Company response to consumer: Closed with explanation