vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Our identity was stolen and used to open an experian.com XXXX account with a fraudulent XXXX account opened apparently in our name. We noticed unusual activity on our bank with XXXX and filed a police report. Doing our due diligence we went on to experian.com to file dispute and put a credit freeze. When signing up it showed we had an existing account with an email we did not recognize. We immediately called Experian to report the fraud and the account that was stolen to utilize our credit report. Experian has not helped us gain back access to this account and we have tried numerous times to explain they opened our credit report to thieves and they have changed our address and email to only their information. They used a stolen checking account with XXXX to open this account. Experian will not do anything to prevent the thieves from gaining access to our information and only will send our credit report to the email and address on file which is obviously the criminals. We can not go on to find out what is on our report with Experian nor can we dispute the inquires or fraudulent accounts being opened. The account was opened XX/XX/2023 and we did not get any notification that fraud was happening until XX/XX/2023. We have filed with the police and FTC when we asked Experian for a phone number that law enforcement could contact them to investigate we were given the general membership number we also asked for an email to file a complaint and they refused to give us one. Experian has exposed us to more fraud and are failing to provide us protection from their own mistake and liability.

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 2023-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Roth IRA CD Account. Under COVID regulations, allowed to withdraw and roll into Roth IRA without penalty. Verified orally on the phone there would be no penalty or fee. Incorrectly charged {$50.00} penalty for early withdrawal. Also charged a {$25.00} fee. Occurred in XX/XX/. Have called multiple times and visited XXXX branches over last 2 years. Each time told a ticket has been opened and there would be follow up. No resolution, no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received an email stating " congratulations on your new card, we will be sending it to you shortly ''. I researched the company and saw that Comenity had a lot of complaints and that the card that they were trying to send me was for XXXX XXXX ( which turns out to be a camping/outdoors store ). I would never need this type of card and did not request an account. I then received the email stating that they were mailing it to me and reached out to The XXXX XXXX XXXX XXXX XXXX issued by Comenity Capital Bank. I refused to give my social security number or verify my mailing address and the representative stated they could not help me. The representative stated he could tell me that yes I did have a new account and a card being sent but that was all he could share. About a week later I received the card in the mail. As of today ( XX/XX/23 ) it has been reported as a new account with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: WI

Complaint narrative:
I have disputed with this company numerous times. this is my second time sending a complaint to cfpb, the first time they removed it. now they have reported on my credit AGAIN. they have my police report, son, drivers license. they refuse to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). Capital one XX/XX/XXXX ( isnt mine ). XXXX XXXX XXXX XXXX XXXX XXXX ( isnt mine ) XXXX XXXX XXXX XXXX  ( isnt mine ). XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
i have sent letters serveral times to dispute that the bankruptcy court does not report to credit agency

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 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I own shares of XXXX XXXX ( originally XXXX de XXXX I originally had bought back in 1987 through my XXXX XXXX XXXX account. I have never held personally any stock certificates, as they have always been held in my Brokerage accounts at XXXX ( acquired by XXXX XXXX XXXX XXXX ) . My stock holdings have always been held electronically in my account -- no certificates. Recently, I received a notice that XXXX XXXX was consolidating different classes of stock into a single class. Essentially, this was accomplished by electronically removing one name on my Brokerage statement and inserting the new name -- nothing more. No forms to process, no certificates to cancel and reissue, just electronically remove one name/description and insert the new name/description in my XXXX XXXX account. For this electronic transaction, I was charged two fees of {$2300.00} each or a total fee by Citibank of {$4600.00}!! Those charges threw my account into a debit balance for which I will also be charged an as yet undetermined amount of interest by XXXX XXXX. If you think overdraft or bounced check fees are improper, how about having this outrageous cost to change a name electronically on my statement, a decision I had no choice in making. I want all fees and interest charges refunded into my XXXX XXXXXXXX brokerage  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
I purchased a XXXX XXXXXXXX in XXXX. 
I ended up XXXX XXXX XXXXXXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXXXXXX Veteran I am asking for relief for this loan.

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 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened an account with Citi that was funded by {$20000.00} from a XXXX XXXX  money market account that I own ( on XX/XX/XXXX and XX/XX/XXXX ), {$10000.00} from XXXX ( XX/XX/XXXX ), {$970.00} check from Citi Bank credit card rewards. I had also removed {$6200.00} from the account to have a final balance of {$25000.00}. 

Citi accused me of fraud over the {$10000.00} from XXXX and closed my account. After a prior CFPB complaint they allowed me to " prove '' I own the XXXX account. After I showed them a statement they provided a check of {$10000.00} to me, leaving {$14000.00} in the account. Citi considers the matter " closed '' and although they see a balance of {$14000.00} in my account ( interest was added I believe ) they do not think that it belongs to me. 

The funds they're holding from me were NEVER in dispute. They only cared about the {$10000.00}, and I proved I owned it. So now they are penalizing me by withholding the rest of what they owe me. This is ridiculous, they can see they money came from an account with my name on it. I want all of my money back and want to sever my relationship with this terrible company. 

Attached is a statement from XXXX XXXX showing that I own the account and sent in 2 transfers of {$10000.00} each to fund the Citi Savings 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 monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was asked for closing documents 2 hours after the settlement was to happen. The entire process, from application to closing was botched by Bank of America. We selected BofA because we are customers. We will no longer be customers after this experience. 
I would like to request that BofA complete a full audit of my loan and the path it took, including internal processing, phone calls between me and XXXX as well as emails. The gaps in the process will be apparent. Im wondering if there are RESPA violations. I did not receive the final CD until I asked for it, a day before closing. 
Thank you for reviewing.

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 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have two accounts with Marcus, one has been open for a long time and recently opened a joint account. Marcus has blocked all my access to both of my accounts on XXXX XXXX claiming they couldn't verify my joint account owner. Mind you they blocked both of my accounts and refused to get me access to even see the funds in my account since last week so I have not been able to log into my account. After multiple verification calls and discussions with all different representatives, we were advised that we should initiate the closure of the joint account in order for me to get the quickest access to my personal account. In order to do so, we would have to move the funds out of the joint account which we agreed to do so but then they blocked the transfer out for no reason. I had called again, initiated another transfer, confirmed next day with a Marcus rep that it went through but it never showed up in my external account so gave them yet another call and again they blocked the funds going out of the account for no apparent reason. At one point the representative switched the account numbers and tried to withdraw funds from my external bank instead of sending funds there which cased another delay on the funds coming out because as Marcus claim it, they saw that I stopped the wrong transfer so they cancelled the correct one too despite the rep telling me all went through when I called to confirm the next day. I'm now a week with out access to my funds, all the bank representatives tell me different things on why the transfers apparently can not come through and why I'm unable to close the account and get access to my second personal account where I hold all of my life savings, just being more time to hold my funds despite me calling daily and trying to get access to at least see my account. I have been a loyal Marcus client for years and they are now refusing to give me access to my account and my funds. I have already spent over 10 hours in the last week on the phone with them and I'm lost as to what else can I do if they continue to block my transfers which they advised me to do so I can close the account and get access to the other unrelated account on my profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They send me a Warrant in debt in the mail and threaten to take me to court, I have a court date already issue to me XX/XX/2023 and they went further and issue me a warrant document of debt to my house. 
Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management has done several attempts through the court to collect a debt through a debt collection agency here in XXXX  XXXX XXXX with false intentions furthermore XXXX continues to report negative on this debt collection account which continues to lower my score they sent the balance was {$2900.00} now is XXXX, up {$140.00} my question is can they do that?? score went from XXXX on XXXX to XXXX. The court dismissed so on this twice already and they try again a third time with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company reported debt to the credit bureaus without first contacting me. The date opened is XX/XX/XXXX and the balance is {$120.00}. I received no voice mail, email, or physical mail and have not spoken with anyone on the phone. The debt originated from XXXX XXXX. I have no outstanding charges with them. I canceled my services with them in XXXX. The account was on autopay when it was active, so there is no reason why there should be any debt originating from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these Fraudulent 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
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from one of XXXX XXXX XXXX XXXX XXXX XXXX ) dealerships in the state of Florida. The vehicle was financed with XXXX XXXX since it is considered their in house financing. The company based out of XXXX, TN closed their doors and shut down all operations on XX/XX/XXXX and issued no notice to its consumers about what will happen to the accounts, how we can make payments, and anything regarding warranty on the vehicles. Days had passed and still no notifications as to what is going on. I learned about the news through social media and stayed in touch with a group from around the nation that are in similar situations with vehicles from XXXX. I was advised that Westlake Portfolio Management might have my account since others were receiving emails and texts about the accounts being transferred over. I was never contacted by Westlake but I did my due diligence and contacted them to see if they had my account. They verified my account and advised me that they needed a few days to be able to have my contract uploaded which I understood. I've had multiple conversations with Westlake customer care and have been told lies or no answer at all with what is going on with the lease. My payment information was given to me incorrectly, I was told that warranty would not be covered but was told that it was, I was also told that the contract was not changing and therefore I did not need to receive an updated contract to sign, I was told to provide a copy of my contract so they can review it and any receipts of any issues I was getting fixed so they can see if they can reimburse me. I have been called due to non payment because I do not feel comfortable paying a company that doesn't even know what is going on or uphold their end of the contract like they are supposed to since they are supposedly taking over. The vehicle has always had issues since I first got it but was fixed when I brought it up to XXXX. I have not been given any explanation of what is going on and believe that Westlake is under a breach of contract. Line 39 of the contract states that any modifications will be provided to me in writing and will need to be signed by both parties. Nothing like that has happened. XXXX finally filled bankruptcy on XX/XX/XXXX but I have no idea what that means for me. I am scared to drive a vehicle that is not covered under their warranty and I am scared that the vehicle will just be picked up and affect my credit.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
this company has had copies of all my police reports, drivers license, ssn and has already removed their collection once before. now they are back on my credit report and they know its Fraud and refuse to remove it. they should be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
I have an app called " XXXX XXXX '' that notified me of a new credit inquire on XX/XX/23 with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and was able to cancel the fraudulent card. It is still on my credit report and I am not sure how to remove it.

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 2023-03-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. First XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-23 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: IN

Complaint narrative:
I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation