vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violat

ed 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 1666B : A creditor may not treat a payment on a credit card account under an o
pen end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I have already paid {$18000.00} for a vehicle that was priced at the time 2020 for 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 2023-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We financed some furniture from a XXXX 's XXXX, and were approved for an amount of credit higher than our purchase amount. They mentioned that we would be able to add future purchases onto this loan, up to the credit limit. 

Not long after, we received a credit card in the mail branded with the " XXXX 's XXXX '' logo and colors. It was our assumption that this was the store account we would be using to make our monthly payments on. When we accessed the account online using the directions in the letter, it was noticed that the balance of the account was at {$0.00} and the amount of credit was different from our loan amount. 

We realized this was a credit card through Synchrony, but we had never applied for this card.

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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist has once again charged me an overdraft fee even though I have overdraft protection turned off. Instead of declining the charge, they accepted it and charged me {$36.00}. I have addressed this pattern of junk fees in multiple complaints. None of those complaints have been addressed satisfactorily. In the last company response, they used account info that was not in line with the information provided through my banking portal. I am accusing Truist of charging junk fees, which have been deemed illegal. Until this matter is properly investigated by an outside source and not a dishonest Truist representative, I will continue to file complaints as I am being continually lied to. They are purposely manipulating pending charges on customers ' bank accounts in order to charge their customers more junk overdraft fees. I believe an investigation into this practice is merited and if there is an investigation, you will find a policy or culture of applying junk fees to the most vulnerable of their customers.

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 2023-03-22 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A purchase of XXXX was applied by error to our credit card on XX/XX/2022 and immediately refunded by the merchant. However the charge appears as {$820.00} with XXXX XXXX XXXX and the refund as {$820.00} with XXXX Exchange Rate. The latter rate is not correct and I request a refund of {$9.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher CoBalance details 0 % paid off Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name AMSHERCOLLECTIONSERVICES Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX I HAVE NO KNOWLEGE OF THIS ACCOUNT THIS IS FRAUD AND IT HAS BEEN REMOVED WITH XXXX. I ALSO HAVE FRAUD ALERTS AND A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS REMOVED ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX of Wells Fargo Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CFPB Director of Consumer Financial Protection Consumer Financial Protection Bureau 1700 G Street NW Washington DC 20552 CFPB case number : Dear XXXX XXXX, I am interested to see if the recent {$3.00} XXXX Wells Fargo fine by the CFPB may compel Wells Fargo to fulfill their statutory FCRA obligation to respond to my FCRA 609 ( e ) identity theft information request? 

This request was delivered by certified mail to the address specified by your employee well over the FCRA statutory 30 day response requirement. 

Please find attached my cover letter from the 609 ( e ) identity theft information request dated XX/XX/XXXX. This will provide details of previous correspondence as well as the details I am requesting that was previously ignored by your representatives. 

Specifically, I want to know if representatives at WFC maintained a profile on me for well over 15 years after I closed an account at WFC for the purpose of accessing my financial data using the XXXX database under the false identity of XXXX XXXX? 

I look forward to your response, 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted 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 2023-03-22 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Service, is a company that I have no acknowledge of, I've attempted to dispute this with credit reporting agencies and haven't received a explanation on why this company is asking me to pay XXXX XXXX and XXXX Dollars, this account has been on my credit report since XXXX XXXX 2022, with an account number of XXXX, I've sent a certified letter asking for a copy of the original contract with my signature and still no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have made 4 phone calls with promises to be called back from a supervisor on 2 of them with no returned call as advised. They are unable to redeem rewards points in the form of a physical visa gift card as advertised and done previously. They have no ETA for resolution and it has been 3 weeks now since this issue began with my US Bank credit card. They have no explanation and have zero ways to redeem and issue points in the form of a visa gift card as advertised.

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 2023-03-22 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: Skopos Financial, LLC
State: SC

Complaint narrative:
I've reached out to Skopos Financial several of times in regards to this old information that is being reported on my credit report that isn't supposed to be. This item is well over 8 years old and has been reporting for the last 7 years. It is well past statue of limitations. This item is hurting me financially, mentally and emotionally. I am unable to move forward with this old item still being reported. It needs to be removed immediately, otherwise I will be forced seek and obtain legal representation to have this item removed and other compensations to rectify this matter.

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 2023-03-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I WENT AND CHECKED MY CREDIT REPORT AND I SEEN THESE INQUIRY ON REORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF I HAVE IDENTITY THEFT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFY THAT IT IS ME AND NO ONE CALLED AT ALL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Department, variety, local, regional, and national chains Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened an account with Ally Bank on XXXX XXXX, XXXX  and I deposited my stipend from XXXX  XXXX XXXX and I believe because of my age they then put the funds on hold and have yet to release them or close the account and send a check in the mail. I am trying to get the funds from this because I am pending graduation and I could use those funds for books and materials. I understand that I am XXXX and most are not enrolling in school at that age, but there is no rule that says that you can not enroll in school at that age.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus XXXX, XXXX, and Transunion- all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted 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 non-monetary relief
Consumer complaint received 2023-03-22 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: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IN

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have had to credit cards opened up in my name. Target and XXXX XXXX XXXX. Both have been cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They show that I owe XXXX card {$930.00} which is wrong this card/loan was paid off as of XX/XX/2023 there is a XXXX balance I have disputed this time and time again the card is telling them there is no balance again someone is not doing their job. This could have been verified with a phone call to XXXX  and TransUnion does have the number.

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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank 's Internal System is defective and does not work.=- THEIR MANAGERS ARE DIRECTLY SABATOGING THEIR OWN SYSTEM AND YES I HAVE PROOF VIA EMAILS OF OVER 1 year from the branch manager - 1 year ago they closed my account. The regional manager said that it was because " their system didn't like my company name '', this was after 6 months of the account opening. 

Manager told me to " change the name and reopen a new account ''. - I compiled. 

Last XXXX I went online and my personal account was closed and ALL THE MONEY WAS TAKEN OUT. 

-- I immediately called Citibank back office. 4 hours on phone they told me I had to go into my brach to get my money. -- - I complied and went into the branch whereby I was told " there is no one available to talk to me for the next 2 days to call the back office to get my money sent via check ''. 


I got the branch and regional managers personal email address, so I setup a recurring email to email them weekly from XXXX to now ( XXXX ) asking when I will be receiving my CHECK. the only reply I received was ONE EMAIL stating " CALL ME ''. - I complied and called over 50 times, the branch directly just rings and rings than it connects to their back office. I have notes and proof of everything. 

today I woke up and logged in and ALL OF MY COMPANY AND INVESTMETN ACCOUNTS ARE CLOSED. I received NO notice, NO letters, AND ALL OF MY MONEY IS MISSING!! 

what I believe happened is Citibank changed my mailing address without permission and I do have PROOF OF THIS VIA EMAILS WITH THE BRANCH MANAGER! I am very concerned bc no one at the branch knowns anything, ALL MY MONEY IS GONE, AGAIN!! 

I NEED MY MONEY BACK RIGHT AWAY AND I STRONTLY SUGGEST YOU REVOKE CITIBANKS RETAIL BANKING LICENSE, THIS IS PATHETIC THanks so much

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.

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 2023-03-22 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: IN

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-22 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation