vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Account name. LVNV FUNDING LLC Account number. XXXX This account below was reported as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. 
I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX XXXX  with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank XXXX XXXX XXXX XXXX is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to low XXXX because of 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 non-monetary relief
Consumer complaint received 2023-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX. 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX XXXX  with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX  but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX  XXXX because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The Bank of the West wrote off a debt and is still collecting money from me while reporting inaccurately on my credit report. There phone number on my credit report is inaccurate which caused me not to be able to contact them with any kind of convenience and now they're clearly breaking the law by not having correct and current information as well as correct contact information for them. I have been turned down for credit because of this and need this fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-29 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: TX

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizen Financial Group , Inc has been providing misleading advertisements about scholarships through their other business XXXX XXXX XXXX XXXX, and their scholarship programs. The XXXX XXXX website states, You can stack your scholarships so the amount of aid you receive XXXX XXXX, unlike loans. The statement is misleading and has forced students into acquiring additional loans or dropping out of college. Citizen Financial Group and XXXX XXXX have known about scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Citizen Financial Group and XXXX XXXX have used these advertisements to mislead students into applying for scholarships so that once the students become victims of the practice, they will get Citizen Bank loans. XXXX XXXX and Citizen Financial Group must be investigated for their misleading and predatory advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
If there is EVER a class action lawsuit against Sychrony Bank, I will be first in line! Today I received notice that they closed an account of mine, which is now the FOURTH TIME, theyve done this which affects my credit score! This time it was my Care Credit card. The last three were XXXX XXXX, Sams Club and XXXX. They always put this in the letters : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Delinquent Or Derogatory Accounts The problem I have with this is that I DO NOT have delinquent or derogatory accounts, and NONE of this was a problem when I opened the cards! Our home is in my husbands name and the cards that they closed ALL HAD XXXX BALANCES when they closed them! Our bankruptcy was in XXXX  and every single card I opened was AFTER that so what has changed? I do not have negative payment history because I have been crazy vigilant about my payments and credit. Yet when they close these accounts, it does affect my debt to income ratio and the way credit scores are calculated, this is harmful. So even though I dont owe anything on these cards, its different if theyre closed vs just dormant! There has GOT to be something that can be done about the way they do business.

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 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
The account number 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX XXXX I checked my account with Wells Fargo and saw {$23000.00} taken without my consent and approval on XXXX money is rightfully and legally mine that I got from my XXXX insurance.I have proof of ownership of the money. I have XXXX income for the rest of my life and I have XXXX XXXX  to support plus I am XXXX and have serious health issues.I have my own expenses to take care. I saw that Wells Fargo and XXXX XXXX has done this to my account.They are after money I called the banks with no solution.They have no issue directly with me. 
I filed a police report, reported cfpb and informed Attorney General 's office. I asked XXXX XXXX XXXX  to return money back to my account. They said they have no issue with me.I feel I am treated unfairly unjustly. I want legal charges against the bank. I want the justice system to hear me and give me justice before they take my money away. I am XXXX and victim in this case. 
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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I used a balance transfer check having a promotional rate and when the promo rate expired the apr went to about 26 %. recently I did not believe this rate should apply and sent Barclays a dispute letter on XX/XX/2023. I received a response dated XX/XX/2023 which was nothing more than a form letter telling me to call their customer service number. On XX/XX/2023 I did so but the employee knew nothing about my dispute and could only read some information that said that the apr was correct, but the said the apr should be 20 %. 
Nothing was resolved. So I have withheld the disputed amount from this month 's payment and wrote a letter on XX/XX/2023 explaining my position to Barclays. I think Barclays should assign a person to this matter and contact me in a manner consistent with the billing dispute resolution procedures of XXXX XXXX. 
Please use my personal phone number XXXX XXXX or email XXXX when replying to 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 explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023 between XXXX and XXXX, I had a group call with my two aunts and myself to Citizens Bank regarding obtaining the payoff balance on my credit card. The Citizens Bank agent quoted us a payoff balance of {$2900.00} since we told her that we would be stopping into our local Citizens Bank office the next day to payoff the balance on the account. We went into the Citizens Bank office on XX/XX/2023 and gave the clerk Check # XXXX in the amount of {$2900.00} paid from my aunt 's bank account ( I reimbursed her in cash later ). The Check for {$2900.00} posted to the credit card on XX/XX/2023 and then on XX/XX/2023 I received a credit balance refund from Citizens Bank to my credit card account since we actually had overpaid the balance on the account. I did not use this account at all since the date we paid it off since we were paying it off so that I would not use it again until I really needed to use it. Then on XX/XX/2023 Citizen Bank added interest charge-purchases fees of {$9.00} to my account and also closed out my account so that I could not even use it if I wanted to. I have no idea what the {$9.00} in interest charge-purchases are for since I did not make any purchases nor did I have any balance on the account after receiving the credit balance refund from the bank on XX/XX/2023. This error is affecting my credit rating and according to the FCRA requirements, Citizens Bank needs to accurately correct the credit reporting of my payment history on this account and not show it as a charged-off account since I paid the balance off in full and was intending to use this card in the future before they abruptly closed out the account. Please have the bank correctly show my balance as paid in full {$0.00} as of the date we paid off the account ( XX/XX/2023 ) and have the bank update the credit furnishing data for me to the three major credit reporting agencies so that it does not show me as being delinquent or having a charged-off account since that is not accurate. I should not be owing a balance of {$9.00} for any reason and that must be removed from my account since it is also not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 I want these inquiries deleted immediately as they are in violation of my consumer rights 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 2023-07-29 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: CA

Complaint narrative:
On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX Debit Card in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX. 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX Bank with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to low XXXX because of 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 2023-07-29 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: NC

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I try to correct the XXXX XXXX XXXX account on my credit history and what I get is evasion from Trans Union. Right now I even have my account suspended and I turn to you to see if you can help 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