vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a call on XX/XX/XXXX from Citibank about potential fraud regarding XXXX. Since we only used XXXX XXXX  times in XXXX years we knew it was fraud and said so. After the call we called citibank back to see what else we needed to do. They said they saw the fraud was pending and we should go to the bank next day to close account and they would make note of the fraud. We went to the branch the next day where they closed the account and opened a new one. FYI we had this account since XXXX. Citi at first returned the funds and then sent a letter overturning their decision stating it was our normal activity. That is not true. We do not regularly use XXXX. This is just under {$5000.00} and something we were shocked to find citibank wouldnt help with. We did not approve the transactions and have no idea where the money went. When we called Citibank again we were told we needed to send a letter to ask for a review which we did on XX/XX/XXXX. When we called today about our refund we were told they never received the fax or the letter sent via usps so today I faxed it again. 

In addition, XXXX XXXX as well as the XXXX XXXXXXXX did not change direct deposit although requests were made and continued to deposit money into this closed account. 

So we are unable to write checks on that account. They will not allow us to transfer the funds. We need to go into a branch each time a deposit is made in order to have access to our funds and we are still without the nearly {$5000.00} in fraud. Can anyone help us with this?!

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Type : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX Account Type : Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) TransUnion Account # : XXXX TransUnion and XXXX has not been able to verify this debt. This debt displays inconsistent and inaccurate information that is reported. Based on FCRA this is illegal and needs to be removed immediately. If not I will proceed with legal actions and will be compensated for the wrong doings of the credit bureaus.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: Tebo Financial Services, Inc.
State: VA

Complaint narrative:
I have contacted the company multiple times over the last 30 days I have not remove this from my credits. This is a direct violation of my consumer, rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b, company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is harassment and I will pursue legal charges. I have a right to accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I entered a TD ATM machine to withdraw {$40.00}. My account had roughly {$350.00}. I took my money and walked away. Less than one hour later, I opened my TD Bank ap and saw - {$700.00}. I looked and saw my card was missing and that I had probably left it in the machine. I literally ran back to the bank frantic as life has not been kind to me lately, financially, in many ways. The bank manager sat me down, calmed me down and assured me he would be putting in a report/claim immediately and more importantly, provisional money, would be given to me within 48 hours. I never received that provisional money. I just learned today that my claim was Denied! I found this, as did all the TD bank reps I spoke with via phone and in person to be a cut and dry case of fraudulent activity. I was told cameras were not looked at which baffled me. One rep said I would need a police report in order for cameras to be looked at which 1 ) is outright scary 2 ) wouldnt you want to see the perpetrator and get the funds/situation handled to the right person? I have spent all day, XX/XX/2023 at police stations, doctors for stomach issues ( bleeding internally/can provide documentation ) and TD branches trying to rectify this situation.I borrowed this money from my mother who has lived the last 2 years as a widow to my father, who lost his life to the co-vid XXXX virus. We are struggling mightily to recover from losing this {$1000.00}. ( It was 2 {$500.00} transactions ) ( it was a female, white, hospital employee ). I am almost certain this is whom stole my funds/used my card. I am being told my claim is denied because another individual knowing your pin. I stood inside a TD bank today and literally watched as people put their pin in the machine. It is not difficult to view the numbers from a distance. I am scared, hungry my mother and i need this {$1000.00} In order to maintain a feasible lifestyle. We just want the bank to give me {$1000.00} back. I dont know if anyone will ever read this but God bless you if you find it in your heart and knowledge of this field to help me recover this money to give back to my mother. My name is XXXX XXXX. Thank you more than you will ever know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Innovative Funding Services, L.L.C.
State: MA

Complaint narrative:
In XX/XX/2023, I was interested in shopping around for an auto loan to buy out an existing lease. I queried a third party service ( LendingTree ) and consented to sharing my contact information for the purpose of receiving loan quotes for this purpose. I had two lenders call me immediately - one, who I ultimately ended up working with, and Tresl, who reached out to me and requested I call them back. I received an excessive number of inbound calls from Tresl - literally 4-5 a day for about 3 days. I finally contacted Tresl as I had 1 ) decided to go with another lender and 2 ) wanted the person who was harrassing me to stop calling. I never spoke to a Tresl employee directly- all communications were via voicemail, with me reaching out to Tresl a total of ONE TIME to advise them to stop calling me. I never submitted a loan application with Tresl - again, the only item I agreed to was passing my contact information along to this business for the purpose of getting vehicle loan rates, which would be performed via a soft credit inquiry. Upon leaving this voice message with the Tresl individual, I received an Adverse Action notice on XX/XX/2023. The notice indicated to me there was 1 ) a loan application under my name, which I did not submit, 2 ) a hard credit inquiry was performed listing my credit score ( XXXX ), and 3 ) that due to my credit score ( which is excellent ), my loan application had been declined. I work in the financial services industry myself in Legal and Compliance, and this application and hard credit inquiry were done without my consent. I never submitted any loan application with Tresl - again, I never spoke to ANYONE there directly. This is predatory and I have also reported this directly to Tresl 's Compliance department as well, also in the form of a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX Has put a collection on my credit report I dont know this company I do not owe this company any money this collection isnt mine. I got in contact with XXXX XXXX XXXX, XXXX and they didnt have any record of me in there files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your XXXX XXXX XXXX. I did not or have not open or authorize this account, and I therefore request that it be closed immediately. 

Thank you, XXXX XXXX XXXX Save on Your Account Radius Global Solutions # : XXXX Balance Due : {$320.00} Account ( s ) in our office : Creditor : XXXX XXXX XXXX Debt Description : Account # : Balance Due : PAST DUE BALANCEXXXX {$320.00} Sent from my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
My house and car was broken into last year when i went on vacation, this person i believe has taken on my identity and opened credit cards and taken out loans as well. The police has a report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
As of XX/XX/XXXX, my various credit reports are showing that I owe an amount of {$120.00} to a debt collection company called the CBE Group. Given the amount and time frame, it's fair to assume that the original debtor is XXXX Communications. They're claiming that I have not returned my router and modem equipment. 

The equipment in question was returned to XXXX in XXXX  of XXXX after my first internet contract expired. XXXX is unable to keep proper records of the equipment they receive, so they sent me a collections amount for {$120.00} in XXXX of XXXX claiming that I never returned the equipment. I, then, contacted the debt collection agency and the CFPB to get the issue resolved. Long story short, both XXXX and the debt collection company couldn't adaquetely prove that the equipment wasn't returned, so the debt was removed from my credit report. 

Fast forward a few months, I was forced to re-sign with XXXX in late summer of XXXX due to limited options at my apartment complex. With this second contract, I decided to use my own equipment to avoid a potential second derogatory mark on my credit. Lo and behold, they've decided to charge me AGAIN for the exact same equipment after my second contract ended in XXXX of XXXX. 

XXXX will not provide me an explanation as I've tried to dispute the charge directly with them. My theory is that the salesperson, who signed me up for my second contract, must've wrongfully assumed I'd be using the equipment from my first contract ( even though it had already been returned ) and marked my account as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
After reviewing my credit report I noticed multiple inaccurate accounts reporting on my credit profile for my accounts that were never late.

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: DE

Complaint narrative:
I have already filed a complaint with the CFPB because of fraud duplicate payments that was being deducted from my account. Now Im being told that my loan is past due because automatic payments were stopped because i was behind 5 payments. I have proof from my account that all payments were made on time. A confirmation email that automatic payments were finally setup the correct way. Now because of their error my loan is past due 5 payments. I need someone to contact me or I will have attorney reach out to this company for business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this 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
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
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: NY

Complaint narrative:
IRS XXXXXXXX XXXX XXXX These All Involved in My XXXX  Tax Return Fraud Problem. 
Honest Investigation Needed. 
These All Have Cript, Fraud Workers Clean This Three Companies. 
All Is Big Gamblers. 
Fraud, Criminal Recard And I Need Free Credit Report. 
My Social Security Not Sacure. 
Everywhere Is Gamblers. 
XXXX 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 explanation
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They are charging late fees for payments made in advance. Even if they waive the fee after the fact as a courtesy, they charge interest on the fee before it is waived.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX  XXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec XXXX XXXX statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 7 years and 7 months since this contract was entered. XXXX this company Roosen, Varchetti, and Oliver, PLLC. is violating the Fair Debt Collection Practices Sections : 440.2725 Statute of limitations in contracts for sale ; contractual reduction. 

Sec. 2725. 

MICHIGAN LAWS STATES : THE CONTRACT SALE SIGN DATE WAS XX/XX/XXXX Default date is a lie and the balance is a lie you have received over, {$9000.00} You have received all the balances state income taxes, and wages you are a fraud and a scam I will not stop fighting this till you go down. This oil leaking lemon was sold for {$500.00} that tells you that I will Pursue action against you. I will not stop. Till you be reported or lose your attorney license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
When I pulled up my credit report I noticed I have a collection account from XXXX XXXX in the amount of XXXX. I have never received a loan from this company or signed any kind of contract. I have tried to log into the website and it states there is no account under my name. I have inquired to experian and the rep states the acct was opened XX/XX/22 and now in XX/XX/22 it was already sold to an Attorney ( Vance and Huffman ) for collections. I have no inquires from this company on my credit report. My credit isn't good enough to get a loan in that amount without collateral. I own nothing. I would like them to send me a copy of signed contract and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is fraudulent not my account please remove asap

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 2023-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Date : XX/XX/2023 Credit Report Information Request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX : XXXX This company is the newest debt collector for XXXX XXXX XXXX. I do not know this debt, and it shows up 2-3 times a year with a different collection agency threatening to damage my credit and puts a new collection on my credit each year. I have no knowledge of this debt, it is not a family members, and it continues to attempt to harm me each year. It has been removed from my reports several times. 

This particular company has threatened to contact the credit bureaus if I do not respond, and they have now reported the invalid debt to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation