vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Subject : Urgent : Unauthorized Fees Charged on Student Savings Account Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a distressing situation involving my student savings account, which was initially held with XXXX XXXX and subsequently migrated to Citizens Bank in XX/XX/XXXX. 

For several years, I maintained a student savings account with XXXX, and during this period, I was never subjected to any fees. However, in XX/XX/XXXX, my account was transferred to Citizens Bank with a balance of {$170.00}. 

Following the migration, I contacted Citizens Bank as I did not receive a debit card or any statements. A representative assured me that I still held a student savings account with them and would not incur any fees. Subsequently, I confirmed my address with the bank and requested a debit card, but unfortunately, it was never received, and all statements were exclusively available online. 

Surprisingly, today, on XX/XX/XXXX, I accessed Citizens Bank 's online banking system for the first time, only to discover that my account balance had dwindled to {$44.00} due to monthly service fees totaling {$120.00}. Shockingly, I was never notified about these fees. 

Furthermore, I recently learned that I also have a checking account with Citizens Bank, utterly unexpected news. Upon speaking with a representative, I was informed that my account was labeled " dormant, '' resulting in imposed fees. Additionally, I was told that fees would continue once I surpassed XXXX. 

As an unemployed full-time student, I trusted Citizens Bank XXXX XXXX funds, believing that my money was secure, especially after being assured that no fees would be charged to my student savings account. This situation is disheartening, as I had planned to use the {$170.00} for my graduation present. 

I am reaching out to you hoping that the Consumer Financial Protection Bureau can investigate these deceitful practices by Citizens Bank. It is deeply troubling to experience such financial losses without any prior notice, and I believe that this situation warrants your attention. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian starts the day off with another lie, THERE STILL WORKING ON THE ISSUE is a fabrication as always

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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I changed insurance carriers and submitted the requested documents per the directions of the mortgage servicer. The mortgage company kept saying that the property did not have insurance while the property had hazard insurance in full effect throughout the duration of ownership/ their servicing. I was erroneously charged for 2 lender placed policies ( unsure why there were two policies on 1 property?? ) and have been unable to have them cancel the policies correctly since. My escrow account was debited {$1500.00} for the lender placed policies while I had active insurance coverage on the property the entire time. I as well submitted the requested documents to the mortgage servicer multiple times and have email documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
I was a victim of identity theft. I have indetified accounts on my credit reoort that was opened without my knowledge or consent, Ive attached My FTC credit report for your reference.

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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. XXXXValidation of Debt XXXX XXXX Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. XXXXStatute of Limitations XXXX XXXX Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. XXXXReporting Dates XXXX XXXX Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting

dates may be grounds for removal. I am exercising my rights u
nder the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken.

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX  ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 


1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 15 USC 1681b ( a ) ( 3 ) ( a ) XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
4. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJU Account number XXXX Asked for {$210.00} for a loan I never got in XXXX and they updated the date to XX/XX/XXXX and when they original year they had was XXXX. They would not respond other than ask for the amount and my contact info after I had filled theft. I have already had this removed from XXXX after telling them this was theft. XXXX did an investigation and had it removed finding it to be outdated and thats when national credit updated the date to make it harder for me to remove! I couldnt believe it and national credit ADJU did not help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with experian and XXXX had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I paid for service from XXXX XXXX in XXXXXXXX XXXX on my MACU credit card. 

They did not repair and caused damage to my house. 

I dipsuted the charge with Mountain America Credit Union in XXXX XXXX  who adked for photos, receipt and letters from plumber and the builder which I all provided in a timely matter. 

Then they reversed the charge. No reason given, no letter provided. Saying they could not get ahold of XXXX XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged interest on my XX/XX/2024 statement when my balance was paid off on XX/XX/2024. My statement time is from XXXX. Since the credit card was paid off in full before the statement closing date, no interest is allowed to be charged

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I noticed reoccurring charges on my statement XX/XX/year>, the credit card due date ; that had been happening for a few months unnoticed. I disputed XXXX systems for the months of XXXX and XXXX {$21.00} each month. Live plan for {$40.00} each month. Legal zoom charges for XXXX each month. These charges were disputed multiple times, and each denied. I locked my card, requested a new on for fraud in XXXX XXXX XXXX  and still charges unauthorized were charged to my account in XXXX XXXX XXXX. I've only disputed three months of these charges however looking back thru the year the charges started XX/XX/year>, with XXXX at {$20.00} then continued with 5 more charges last one being XX/XX/year>, after the disputes and no longer using that card. Live plan total for 2023 {$200.00}, after the first charge XX/XX/year>, the amount taken from my card doubled to 40 XXXX XXXX XXXX  charges began XX/XX/year>, at XXXX and proceeded to charge my card XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXX  again after disputes were placed and a lock should have been on the card. XXXX XXXX  charges totaling {$120.00}. XXXX XXXX has been used by us prior we bought something in bulk and paid three charges of over XXXX $ for a specific need, however they had continued to charge us an unauthorized fee monthly for {$49.00} with no services requested starting XX/XX/year>, and continued in XXXX at {$49.00} and again XXXX XXXX XXXX  at {$49.00}. those charges seemed to stop after the dispute however my funds were never returned totaling {$140.00}. {$470.00} After the disputes i went on and paid for the purchases I authorized while waiting the period thru the disputes which they failed me as a consumer to investigate and handle properly. especially allowing for new charges to come onto my account when I'm disputing these companies. the failed to do a proper investigation and communicate with myself findings or even stopping them from charging me more. I don't not pay my credit cards my credit speaks for itself. however, I will not work hard to pay for anything I don't use or I haven't authorized. i choose larger companies to keep my business with for better protection from the world we live in today with scams and such on a rise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section XXXX of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has stated on several calls to customer service on XX/XX/XXXX and XX/XX/XXXX that they have no protocol set up to be compliant with the federal law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. They stated they have no protocol in place to comply with physical verification requests. They have filed to reponsd to previous complaint # XXXX. How can you allow them to operate in the united states if they can balantly ignore the law? Please find out what official protocol is in place for providing complaince with the FCRA Sec 609 ( a ) ( 1 ) ( A ) as required by federal law. 

Their actions are causing me undue hardship, the law states Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. They have failed to remove the accounts. Rendering me Homeless beause of their lack of validating under the law.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 

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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 

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 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 2024-01-23 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I moved out of an apartment at XXXX building ( Owned by " XXXX '', real estate and property management ) in the summer of XXXX, I ended my lease term and moved into a new apartment with no pushback or issues. In XXXX of XXXX, approximately 5 months after my lease term ended, I received a phone call from an individual claiming to be from XXXX corporate regarding a debt I owed in the amount of {$980.00}. This was the first I had been informed of this alleged debt I owed, even though on the phone she claimed there had been multiple letters sent. Due to the little evidence of this being a legitimate debt, and it being the first time I had heard of it, I did not follow up with this individual. On XX/XX/XXXX I received an email from Columbia Debt Recovery LLC, dba Genesis, regarding this alleged debt to XXXX ( email is included in attachments ) This email informed me that the debt increased due to interest {$0.00} due to interest. This email also included all the proper information regarding debt collection. I planned to wait a few weeks and dispute the debt before the deadline on XX/XX/XXXX. On Wed, XX/XX/XXXX I received a text message ( included in attachments ) from what I believe is the same debt collection company ( both use " Genesis '' ) regarding the same alleged debt. However, this message included much less information and used the unfair and deceptive ( and illegal ) practice of threatening to furnish my credit. Not only is this against the law, but it's also completely ridiculous to threaten credit over an alleged debt of less than {$1000.00}.

Company response to consumer: Closed with explanation