vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: NJ

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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX I XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 2023-02-17 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: NJ

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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX I XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I tried the " Home Internet Service '' from XXXX. I was told I had 15 days to " try out '' the service free of charge. The connection was terrible. On day 8 of the " Trial Period '', I returned the WiFi antenna back to XXXX, with the XXXX shipping XXXX XXXX sent me, after 7 days of trying to get the XXXX shipping label from XXXX. I took a picture of the box and sticker when I took it to the XXXX  drop box office. Ever since then, XXXX has been attempting to collect {$350.00} for a mobile number they assigned to the WiFi antenna upon setting it up when it arrived, even though I had already returned the antenna back to them, withing the trial period. I sent them a " Cease and Desist '' letter on XX/XX/2023, via Certified Mail, attached. 

On XX/XX/2023 I received a letter from Convergent Outsourcing, a debt collector. Their address is : Convergent Outsourcing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. ( XXXX ) XXXX. Reference # XXXX. This letter was to notify me that they were attempting to collect on the XXXX XXXX {$350.00}. I replied to them on XX/XX/2023, well before their XX/XX/2023 due date to notify them I was going to dispute the collection, simply because I did not owed XXXX or them, anything, period. I also sent the response and documentation via Certified Mail with copies attached to this complaint to the CFPB.

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 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I have been a Bank of America cardholder since 2008. I am sending this message as a complaint against Bank of America due to a mishandling of my request. I had contacted them regarding the removal of some interest on my balance, which I had paid in full. I requested a refund of the interest that was charged, but the representative I spoke to denied my request in a rude manner. I asked to be transferred to the manager, whose name is XXXX and who is located in the Texas branch, and she also spoke in a rude manner and denied my request. I, finally, contacted the corporate office and spoke to XXXX XXXX, who was also unprofessional. I explained to all of them that I had a family emergency, which I was forced to attend, and which resulted in my balance accumulating interest in the meantime. No one was willing to understand my situation even though my payment history is pristine and I have always paid higher than the minimum. I am humbly requesting if I can get a refund for the interest that was charged on my account. It would really help if Consumer Finance can help me resolve this issue. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NY 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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Been calling customer billing department keep putting me on hold as if stalling asked to send me a verification of debt letter, asked several times to send proof of debt they kept hanging up on me needed original contract, asked for wet signature, never responded, very nasty with me on phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally lost my money for a several days. 

On XX/XX/XXXX I requested funds be transferred to Non-Ally accounts. The funds left my account that day. On XX/XX/XXXX ( 7 days later ) the funds were returned to my account saying Ally couldn't transfer the funds they way they initially recommended. They told me lots of stories why the funds weren't returned for 7 days - none of the stories were the same. 

On that same day at XXXX XXXX ET I requested funds be wired out of the account on their recommendation that it was the best and fastest way to get the money. As of Friday XX/XX/XXXX at XXXX XXXX ET the wire request still has not been completed. 

From XX/XX/XXXX to XX/XX/XXXX Ally has only apologized and told me things take time and gave lots of reasons why they couldn't/would n't release the funds. 

I have not receive 1 penny of interest on the account and have incurred transaction fees since the funds weren't made available to me when I requested them. 

There devil is in the details and I have a LOT of details on one mess-up after another since this whole thing started on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX I do not know who this account is. I did try calling XXXX XXXXXXXX, and they directed me to XXXX whom said I would have to speak with XXXX and could not assist me.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXXXXXX, and they directed me to XXXX whom said I would have to speak with XXXX and could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 12 late payments Balance updated XXXX XXXX, 2022

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 2023-02-17 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: NY

Complaint narrative:
Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX 2022
    XXXX XXXX XXXX $XXXX 12 late payments Balance updated XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: Nelnet, Inc.
State: IN

Complaint narrative:
US Dept Of Education Loan I have been a victim of identity theft In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXXXXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I found XXXX charges on my Citibank thank you statement that looked odd. I called Citibank XXXX on XX/XX/XXXX after I got my statement and before the drop dead date for paying XX/XX/XXXX. They didnt help me but I figured out the two bills were from two companies I had never dealt with before and were 3rd and 4th party contractors to two companies I had dealt with before. Citibank disputed the two charges and added a third one I didnt know about yet. I called back and un-disputed the charges and to make my payment in full. The foreigners who dont understand XXXX and act for Citibank in the XXXX  did not understand, said it was too late, they cancelled my card and I could not make payments. I wasnt late then. On XX/XX/XXXX XXXX I called back to make the payment and they said I still couldnt. They were busy transferring data from the old card to the new card. They said try again XX/XX/XXXX. On XX/XX/XXXX I became late but not my fault. I still could not make a payment. Citibank said try XX/XX/XXXX. I was finally able to make my payment XX/XX/XXXX. Then my XX/XX/XXXX statement shows delinquent penalties and interest. Citibank took those off by an XXXX and I paid {$1900.00} in full XX/XX/XXXX four days before the drop dead date XX/XX/XXXX. Then Citibank came back at me with {$41.00} min payment due on XX/XX/XXXX or they send me to collections. And the credit bureaus are notified. XXXX Citibank due was {$81.00} but not XX/XX/XXXX ; on XX/XX/XXXX so I paid XXXX in full. XXXX Citibank charged me again for XXXX. And for XXXX for the one they disputed and I didnt. But neglected the new charge of XXXX. So they said I owed XXXX. I actually owe {$85.00} because of all the pluses and minuses. So XXXX. I called Citibank 10 times. I talked to 2 XXXX  and 8 XXXX. The two times I talked to Americans I got my late charges reversed and a payment made. The rest of the time I hit a blank foreign wall. When I ask for an American and I did I want to be transferred to an American ; not sent to a person who cant understand me and I cant understand them. It should be illegal for banks to use foreign workers to do their business. No wonder were in the financial, military, trade, and data messes were in. They would not let me make my payment today. They kept insisting on {$120.00}. I owe {$85.00}.

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 explanation
Consumer complaint received 2023-02-17 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: NJ

Complaint narrative:
EXPERIAN REFUSES TO DELETE FRAUDULENT ACCOUNTS AFTER SEVERAL DISPUTES.

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 2023-02-17 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.

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 2023-02-17 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 am writing to request the method of verification for dispute initiated on XXXX/XXXX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX 2. Account # XXXX 3. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

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 2023-02-17 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: CA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XXXX/XXXX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX 2. Account # XXXX 3. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
date : - XXXX Amount : - XXXX USD XXXX transfer confirmation number : - XXXX I was promised a game ticket through XXXX XXXX XXXX. The money was sent through XXXX through Bank of america to XXXX. I didnt receive the product and as soon as i realized that i reached out to Bank of America saying it is a scam and requested my money back. But Bank of America rejected my request. 

I was given no protection to verify if the XXXX receiver is genuine or fraudulent. How can a customer know if the account is genuine if the bank lets frauds register with XXXX and allow them to scam people? 

Requesting to provide my money back from BOFA. ( XXXX USD ).

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