vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc.
State: MD

Complaint narrative:
I am a member of XXXX XXXX and received a bill for {$20.00} from a collection agency. I followed up and found out that the debt was for my grandson who is on my policy. He did not pay his copay and so it was attached to my account. Not of the reasons listed applied so I used the closest I could find. The mgr was rude and wanted to tell me how this situation was going to go. So yes, I found it threatening. 

When I called to tell the collection agency and XXXX that they should correctly report that it was because I was responsible for my grandson and not myself. 

These type of errors harm everyone especially myself who was unaware of the debt and was unable to rectify it directly with XXXX and USCB America staff needs training on debt collection. When I tried to pay the {$42.00} I had to give them way too much information. As a result, this debt was not paid because the manager would not take my debit card without me giving him my name, social, etc. I do not want this to AFFECT MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
I submitted a prior complaint and the response I received has nothing to do with me. I have know idea who this person is THIS IS NOT MY ACCOUNT I NEED HELP AND WANT THIS REMOVED PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been living and working in XXXX, XXXX. 

In XXXX, I opened a citibank online checking account and had my company ( XXXX XXXX XXXX XXXX ) transfer my salary to said account. 

I also made XXXX large deposits into my Citibank Checking account from XXXX. 

On XX/XX/XXXX I was sent a letter of closure by Citibank saying that they were closing my account. 

At the time of closing the account balance was approximately XXXX $ I have a Signed XXXX XXXX ; a signed Non-disclosure agreement ; and a record of payments from my employer to prove that the transfers weren't fraudulent ; furthermore ; i have a XXXX work visa and other official documents as well. 

With the above documents I attempted to resolve the issue multiple times by calling Citbank 's fraud department but have repeatedly been told by their customer representatives that they have to " disconnect the call '' and they just hang up. 

So, I flew back to XXXX XXXX on XX/XX/XXXX and visited the XXXX Citibank branch on XX/XX/XXXX in order to try and resolve the issue in person. 

The representative attempted to call Citibank 's internal fraud department but could not resolve the issue. 

I was I should take my documentation and keep trying Citibank 's fraud department. So that's what I've done. 

Despite this ; the citibank fraud department STILL repeatedly disconnects my calls instead of attempting to resolve the issue. 

Please let me know how I should proceed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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: MS

Complaint narrative:
In accordance with the fair credit report act convergence numbers have violated my rights. 
15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SLM CORPORATION
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: DISCOVER BANK
State: GA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Tuesday XX/XX/2022, I received an email from a rental company stating- We regret to inform you that we were flooded with applications for this home and the property was leased before we could process your application. I paid {$90.00} in fees for a property that was already rented before they processed my application. The company still took my money even though there was no property to rent. I was not interested in any of their other properties and at this point I didn't trust they had any rentals available because I requested an updated list or to cancel my application. The email said if I wasn't interested in applying for another rental I could cancel my application. - We apologize for any inconvenience. Please let us know if there is another home that interests you. Please also let us know if you'd like to cancel your application or our available and upcoming homes can be found here- PLEASE DO NOT CALL THE OFFICE REPLY TO THIS EMAIL -- I couldn't get a response or speak with a person so I disputed this with my bank. My bank credited me the fees but is now stating that the charges were authorized. 
I need help because even the email states that property wasn't available and that I could cancel, but I lost {$90.00} and I feel scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have XXXX different claim complaints numbers because my card was being used by someone else without me knowing until it was too late. It happened mainly in between XX/XX/XXXX to XXXX XXXX, I shut the account down but by then it was all gone. In the month of XXXX I had {$18000.00} deposited into my account. When I shut it down on XXXX XXXX I only had {$660.00} left. I have no idea who it was and the bank will not give me any evidence to hold anyone responsible. I asked for camera pictures of the atm withdrawal or anything at all for them to decline my refund and they will not. I did go to police and the police in my borough didn't do anything to help either. I called state police and they told me there's nothing they can do. No one will help me! One of the " atm '' withdrawals were addressed to a residential house in a different county and still they can't tell me anything about it. I had my card the entire time but they are saying my card was present for all the transactions and atm withdrawal but that IS IMPOSSIBLE! I HAD MY CARD ENTIRE TIME! Another reason I was not aware of it being used unauthorized. I need someone to help me! I need someone to take me serious! Please...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I have an issue with transition that I am not having with my other credit bureaus. I will attach images to show the issue that I am having revolving my XXXX XXXX  auto loan account. The creditor XXXX XXXX  themselves had incorrect information on my credit report which they had fixed stating that I had missed late payments in which thee payments made, past due, pay status, remarks, maximum delinquency, rating, payment received, and historical trend data were all incorrect on my transunion credit report. I had reached out to the creditor and transition to have this fixed and this is the second time where after it was fixed that out of the blue transunion goes back to having this negative wrong inaccurate information reporting on my credit report. That is severely hurting my credit in which un-allowing me to apply for a home loan. I need this fixed on my transunion credit report as I don't have this issue with the credit bureaus and I will attach the fixed information that was updated in which I don't get why it keeps reverting to the wrong information that is severely hurting 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 non-monetary relief
Consumer complaint received 2022-05-13 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 

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 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 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 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Reported : XXXX XXXX, XXXX - {$640.00} Balance {$640.00} Highest Balance {$640.00} Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX22 I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For the last four ( 4 ) years, I have been charged late fees of {$40.00} each when I make my credit card payments to Chase Bank, even though I'm not late ; in fact I'm always early. 

This has been going on for at least 4 years, and I've brought it to the attention of Chase as late as last week, again. 

I pay all of my monthly bills through my online bill pay with XXXX XXXXXXXX XXXX  and the funds comes out of my checking out. 

To ensure that none of my bill payments are in fact late, I make all payments through the aforementioned account at the same time. 

My payment with Chase Bank is not due until the XXXX of each month, however, since I pay all of my bills at the same time at the first of each month, I do the same with this Chase payment so that I will not be late. 

Sometimes, the payment will go out at the end of the month for the following month to ensure that the payments are not received late. 

I'm never late, but early, and Chase Bank charges me a late fee each month in the amount of {$40.00}. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
I feel that Experian did not do an investigation into my credit report and it is concernng. Experian was notified that there were some inaccurate accounts on my credit report that should be removed, but I have yet to see anything validated or deleted. I received an alert XX/XX/XXXX and XX/XX/XXXX that my account dispute was updated. Experian stated that the accounts in question met requirements of the FCRA but has yet to provide any documentation validating these accounts. The collection accounts are involved in litigation and should be removed immediately. I am asking for an investigation into the other closed accounts in question because I feel that Experian has not done their due diligence as far as providing documentation and any instrument bearing my signature. Closed accounts are reporting past due balances when they shouldn't be and the accounts in collections do not reflect the correct balance. Please validate the accounts or delete them from my credit report. I have attached the letters that were sent to Experian for reference. The XXXX collection accounts in litigation are XXXX XXXX XXXX and XXXX XXXX XXXX. I will be seeking damages for the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In early XX/XX/2022, I was alerted to potential fraud on my Citibank credit card. I placed a call to customer service and advised that I had received both a text and email. The representative I spoke with advised there had been a {$3000.00} transaction via a Citibank issued balance transfer check. This was fraudulent as I made no such transaction. I believe my mail was stolen and someone used a check that had been sent to me. The representative advised that I would receive a letter in the mail with further instructions. He also closed my card and reissued a card with a new number. I received the new card, however, I did not activate it. I never received a letter. 
In late XX/XX/2022, I was alerted to potential fraud via email. I again called Citibank and also checked my online account. Another check had been written on my account in the amount of {$1000.00}. I attempted to resolve and get an understanding of my fraud dispute, however I was told the representative could not access my account because it was locked and they would send me a letter with a code to unlock it. I received the letter over a week later in early XXXX. I called the fraud number within the letter and provided the code. I also went to my online account and saw that I had been charged an additional XXXX in transfer check fees. Total now is XXXX fraudulent charges. I was transferred to XXXX different representatives, and neither could tell me the status of my fraud dispute. I asked that I receive an update as soon as possible as my credit score was being impacted by the high spend ratio on my account. I was told I would receive a letter and am waiting, however I am not hopeful anyone at Citibank is taking any action. I also asked that my account was noted OPT OUT of any transfer checks by mail or otherwise. I was transferred to a third representative that assured me I was now opted out. 
I logged into my online account today and noted I am being offered an increase to my spend capability. I also noted that my account shows no disputes registered! " You havent reported any fraud on your account. '' This back and forth has been going on for over 45 days and XXXX telephone calls to Citibank with no resolution. I need my fraud case investigated and fraudulent charges removed from my account. 

Details : XX/XX/2022 BALANCE TRANSFER FEE {$90.00} XX/XX/2022 BALANCE TRANSFER FEE {$30.00} XX/XX/2022 INTEREST CHARGED TO STANDARD XXXX {$17.00} XX/XX/2022 INTEREST CHARGED TO XXXX {$0.00} XXXX XXXX, 2022 ONLINE PAYMENT, THANK YOU {$75.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$1000.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I have a utility bill that i am not aware of opening. I want to report it as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a XXXX late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
Glass Mountain Capitol is trying to collect on an alleged credit card debt that is beyond the Illinois Statute of Limitations for this type of debt in violation of the Fair Debt Collection Practices Act. 

From XXXX : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. XXXX XXXX XXXX XXXXXXXXXXXX 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 

Further, I have disputed this matter with them over the phone on two occasions and I have asked them to cease from all communications with me as well. I am sending them a certified letter to that effect as well.

Glass Mountain 's account number for this alleged debt is : XXXX  I want Glass Mountain to cease all communications with me and to cease trying to collect upon an alleged credit card debt that is beyond the Statute Of Limitations in Illinois and their attempts at doing so are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation