vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI BANK please provide me with the Original Creditor signed agreement form them. That I opened this account. I believe I would have to give you CITI BANK permission to disclose any information to any CRA can you please provide me with the signed agreement that I initiated such agreement.? I have already asked for this information and I am steal requesting for CITI BANK to provide me with this simple piece of evidence.

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 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I attempted to make a rent payment to my landlord using XXXX via Ally Bank. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact XXXX. XXXX proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.

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 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: TX

Complaint narrative:
I sent General Revenue Corporation a Cease and Desist Email on XX/XX/XXXX and on XX/XX/XXXX and they keep calling me at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been dealijg with Capitial one and have been emailing capitial one ceo and talk to everyone at capitial one capitial one will not remove the innacurates from my credit report and they state they dont deletions period But from other people emailing the ceo and askong for deletions and updates they do it with no problem I was even told by capitial one they dont do deletion but this right here shows they do Capitial one is not beinf their word and holding to their standard they talk about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today I received an alert from XXXX after my XXXX was stolen, stating that someone had applied for a Chase credit card in my name. An inquiry was placed on my file ( s ). I did not apply for a Chase account, and request that the inquiry be removed. I have taken steps to freeze my XXXX report for now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-04-06 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: TX

Complaint narrative:
My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX Bank Dealer Services - Fraudulent inquiry on XX/XX/2022 Elan Financial - Fraudulent account showing on my credit reports

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
ALL OPEN CLAIM HAVE BEEN CLOSED PER MY REQUEST AND THE FUND IS SUPPOSE TO BE REVERSED SO YALL CAN GET YALL LIL MONEY 15 BUSINESS DAYS WILL BE UP ON THE XXXX OF XXXX THERE ARE NO MORE PENDING TRANSACTIONS OR OPEN CLAIMS SO THERES NO REASON TO STIL LHOLD MY FUNDS.

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 2023-04-06 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: IL

Complaint narrative:
I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.

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 2023-04-06 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: IL

Complaint narrative:
I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.

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 2023-04-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/NELNET but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDNELNET XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXXXXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to XXXX XXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXX XXXX to penalize consumers for accepting that assertion at face value.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXXXXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXs Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXXXXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXXXXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXXXXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXX XXXX  via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Account # XXXX I had two accounts with XXXX XXXX XXXX. Synovus Bank Acct ( XXXX ) XXXX still reporting A closed Paid account. XX/XX/XXXX After it meet FCRA requirements. 

Account # XXXX XXXX XXXX Reporting On the same day I closed Account ( XXXX ) XX/XX/XXXX. On my report it shows Date Of Last Payment XX/XX/XXXX Payment Status : ( Currant ) Account Status : ( Paid ) Comments : Canceled by XXXX XXXX ( Consumer closed the account not them ) XXXX XXXX 30 days late * XXXX XXXX  60 days late* XXXX XXXX 30 days late* Date Last Active : XX/XX/XXXX Date of last Payment : XX/XX/XXXX Last Reported Date : XX/XX/XXXX XXXX Reporting Payment Status : ( Current ) Account Status : ( Paid ) Comments : Account has been closed due to inactivity XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Last Reported Date XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Payment Status XXXX ( Current ) Account Status : ( Open ) Comments : Consumer Disputes XXXX XXXX  30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Payment Status : ( Current ) Date Last Active : No Info Date Of Last Payment : No Info Last Reported Date XX/XX/XXXX Payment Status : XXXX XXXX XXXX ( Inaccurate Reporting ). 

Payment Status : XXXX XXXX Currant Payment Status : XXXX 30 Days Late Payment Status : XXXX Current ( Inaccurate Reporting )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i disputed this account with Transunion XX/XX/XXXX for the account being paid in full, settled and too old to be on my account it was settled XX/XX/XXXX. Transunion investigated and did nothing to my account when finalized on 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 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
Portfolio Recovery services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing. 
debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank closed my account without notice ahead of the closure Causing financial stress and emotional stress Find out my account was closed because my automated payments were declined and vendors contacted me about my payments declined Bank closed on XXXX XXXX my account and my a week after I found out that my account was closed by not been available to log in When I called their customer service was rude and cut off my call called again and I asked reason they denied any explanation until now They did returned {$2000.00} and still hold on {$500.00} for no reason explaining

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