vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a payment f {$1000.00} to my Nordstrom XXXX account. In XXXX, they were still reporting my previously held balance of {$2000.00} to the credit bureaus. I called them and asked them when they would report the correct balance and they said after the close date on XX/XX/XXXX. I filed a dispute with the credit bureaus and they corrected the balance. Then on XX/XX/XXXX, they changed the report and returned it to the XX/XX/XXXX balance of {$2000.00}. I have not used my card at all and my balance only decreased since my XX/XX/XXXX payment, it has not increased. I filed another dispute, uploading the payment history and true date balance and the the score was corrected within 5 days. Today, XX/XX/XXXX, Nordstrom Card Services has once again returned my balance report to {$2000.00} with the credit bureaus. That has not been my balance for 46 days and 2 billing cycles. As of today, my balance with Nordstrom is {$840.00}.

Their fraudulent reporting has caused me irreparable harm as I am in the process of moving and due to the yo-yo in my credit score and repeated false balance reports, I am unable to obtain a mortgage and could be homeless by the end of the year. I have been a loyal customer and have never missed a single payment. It is unethical that they in poor practice to falsely report consumer debt and payment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: TX

Complaint narrative:
Years ago, my mom was a XXXX  customer and I had a line under her phone plan. I eventually wanted to have my own phone plan, but when I went to the XXXX XXXX in XXXX, MI to create my own plan, I was told I could not. Someone stole my SSN and fraudulently created an account with my information. They purchased multiple phones and lines. There was an outstanding balance on the account. I was provided the information about the fraudulent account that was opened using my information from workers at the XXXX XXXX I filled out a fraud claim through XXXX  and the account was cancelled for fraud. I was recently contacted by a collection agency regarding the balance for this account. I have tried to dispute this on my credit report with no luck. I learned that XXXX is now XXXX, so I contacted the support line for XXXX. I was told that because the account was with XXXX and had been closed, the worker for XXXX  could not access that old XXXX account. I was requesting any form of paperwork that could explain this account was closed for fraud and that I was not the one who opened the account nor was I responsible for the outstanding balance on the account, but I was unsuccessful. The support worker for XXXX told me my only option was to go to XXXX, which I did. I was provided an FTC Identity Theft Report. I was also provided paperwork to send to XXXX and the collection agency. The collection agency is Unifin. I have sent them emails and mailed the paperwork to them that was provided to me, but I have not heard back. I mailed them the letter on XX/XX/XXXX. I also emailed them on XX/XX/XXXX and XX/XX/XXXX. I will also be emailing them again today. At this point, I don't know what else to do. This fraudulent account was opened years ago and is still causing me problems to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I called to make my payment today, XXXX XXXX, 2024 at XXXXXXXX XXXX CST. I spoke to a representative, who took my payment because my payment was due today. He notified me that the payment would not post until tomorrow, XXXX XXXX, 2024, because I missed the time of XXXXXXXX XXXX EST, which I expressed my concerns, because I thought I was making the payment on time in my time zone. I missed the deadline by XXXX mins, which resulted in a late fee, which I think is completely unfair. I asked what is the name of the parent company and he told me it is under Comenity Bank. I would like this issue to be looked into and let me know, if this warranted or not, because I think this goes against my consumer rights. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: T.S. Holdings
State: GA

Complaint narrative:
To Whom it May Concern, My previous landlord XXXX at the XXXX in XXXX XXXX processed an eviction against me and upon me getting an attorney we settled on an agreement : the agreement stated that if I moved out of the unit by a certain date they would absolve me of all debts and dismiss the case. My attorney could file a motion to vacate the judgment. I relocated before the move-out date and the case was dismissed, masked, and vacated. Now the XXXX has pursued my credit through a company named IQ International Collections.

IQ International has responded by issuing me a letter, removed themselves from XXXX and returned the deducted points to the XXXX credit bureau but not XXXX or XXXX. Please ask them to remove themselves from my other two credit bureaus ( XXXX and XXXX ) and return my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I called in around XXXX XXXX  - lady that picked up I had to explain twice in XXXX because apparently whoever is hiring people hires people who don't speak XXXX very well causing customer time and frustration to be wasted. 

Needless to say I wanted to make a payment on my car note due XX/XX/year> - I asked to provide my bank info to make a payment on the car and then asked to speak with a supervisor she said there was no supervisor until Monday I said they shouldn't be answering phones if there is no supervisor available. needless to say I requested a complaint be filed on my behalf because she refused to assist with the payment and when I asked for the complaint to be filed she said no problem she would do that put me on hold and then never came back. The hold music stopped after holding around XXXX minutes in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm a victim of identity fraud and I've submitted my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The attached information was sent to Equifax. I sent them all my identification and they claim they can't find my account which is a lie. They also sent the following information to my mailbox after receiving ALL the REQUESTED identification information. 
Please make them delete the information requested due to the creditors not providing a contract of debt obligation with my signature within the 30-day time period per federal law it must be deleted. I sent these letters to Equifax and XXXX. They need to follow the law and delete the items immediately!!!! This is their last chance to do right or I WILL FILE A FEDERAL LAWSUIT AGAINST THEM FOR VIOLATING MY CONSUMER RIGHTS. 
THE CFPB NEEDS TO MAKE BOTH OF THESE CREDIT REPORTING ADENCIES REMOVE THE ITEMS IMMEDIATELY. PER FEDERAL LAW THEIR TIME IS UP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I thought I was on the phone with credit karma consumer but he hung after I gave him debit card info with all personal information. Date of birth, S.S. #, phone, number address, maiden name online ph # XXXX ( XXXX ) XXXX. I'm sorry but it happened today XX/XX/year> @ XXXX. Thanks Just a phone call nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
When making my XXXX payment late online through their portal I selected an old account resulting in my payment bouncing. I wasnt aware this happened until I received a letter about a payment not being processed from my bank almost a week and a half later. I went in to the online portal to resubmit the payment through XXXX online portal and by phone and was told my access was taken away. I was then told if I had to contact my loan manager XXXX for payments for a XXXX month period. I spoke with XXXX XX/XX/year> to make my payment by phone. He then transferred me over to his supervisor who verbally harassed and insulted me asking my house hold income and why I have no excuse to have ever made a payment late. At this point my only options to make my payment are over the phone where I will be verbally harassed by 21st mortgage representatives and account managers. Their website never works early in the morning or before XXXX XXXX XXXX XXXX for online payments. Now that I made one payment late They have frozen my online and pay by phone option, and if Im late again they said my only payment option will be online wire which will lead to additional fees for me. This company is ridiculous and their online complaints show the same. I want my online payment access back and I want their website to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against Citibank regarding the recent closure of my XXXX credit card accounts. My name is XXXX XXXX, and my date of birth is XX/XX/year>. My phone number is XXXX. 

I was deeply disturbed to learn about Citibank 's discriminatory practices against individuals of Armenian descent, particularly in the XXXX area, which have been addressed by your bureau. As an XXXX  with the last name " XXXX, '' I believe my accounts were closed as a direct result of this discrimination, despite my exemplary credit history and strong relationship with the bank. 

Throughout my time as a Citibank customer, I have maintained exceptional credit and have never missed a payment. My accounts have consistently been in good standing, with no recent high balances or excessive inquiries. It is perplexing and unjust that Citibank would choose to close my accounts without any valid reason. 

I urge you to review my account and the circumstances surrounding its closure. If Citibank does not reopen my accounts, I am prepared to join the class action lawsuit being filed by XXXX XXXX. I have documentation proving my exceptional credit history and will provide this to XXXX XXXX to demonstrate that the closure of my accounts is a result of discrimination. 

I am requesting that Citibank reconsider its decision and reopen my accounts. I would prefer to resolve this matter amicably and without resorting to legal action. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I use MoneyLion for my online banking and they restricted my account for no reason upon trying to resolve this situation they are making me wait 3-5 business days to resolve the matter which i didnt request mean while i have bills to pay that a linked with this account and i can not access my funds which is causing me financial hardships

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> RE : CEASE AND DESIST DEMAND Dear Jefferson Capital Systems LLC Jefferson Capital Systems LLC : furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems LLC claims is owed on. 
This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXhe consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and this account be REMOVED from all three of consumer reports. 
Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service
State: ID

Complaint narrative:
The collection agency is trying to collect a debt from a construction company, and the construction company was paid in full for the work they completed. They are trying to charge {$460.00} for work they did not complete. I am not paying for work they did not complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Someone has come to my familys home to look for me for a Citibank credit card regarding legal documents. I have no clue what this card is or what the issue is but they have been threatening my elderly mother with a legal issue.

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