vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been paying my balance monthly until I have only a balance due of {$210.00}. However on XX/XX/year>, Best Buy credit card charged an interest of {$480.00} and brought my balance due to {$660.00} and I have no idea where this interest charge on a balance of {$210.00} is. I received no information from the credit card from this abusive interest charge practice.

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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I was created a account on www.wise.com a few years ago and it was a business account all about was going well but recently XX/XX/XXXX my account was deactivated due to any violation but my funds was held on my wise account so I have applied to wise for refund but wise send this refund on wrong account I have all proofs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX opened XXXX amount {$530.00}. XXXX opened XXXX 2018 amount {$150.00}. XXXX opened XXXX amount {$520.00}. XXXX opened XXXX amount {$6800.00}. XXXX XXXX opened XXXX amount {$130.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-01-04 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$2300.00}, Dpt Treasury Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$200.00}, US Dept of the Treas Account # XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX. XXXX, XXXX Account # XXXX XX/XX/XXXX bal. {$160.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood locked my account XX/XX/XXXX with no explanation. From there they requested my ID and picture through the app which then turned into them requesting bank statements. 

I have sent everything and been on the phone with them twice for over 2 hours as of XX/XX/year> my account is still locked and they will not let me touch my funds at all. Countless hours wasted trying to get in contact with them and they never get back. They always call from an unauthorized number as well instead of the one they should and they just keep asking for more and more screenshots! 

I need to get to my funds.I have no way of getting in contact with them either its completely on their time, otherwise you can not talk to them or get help. If i could sue them i would at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi, in late XXXX, then an XXXX customer, I was notified that all their branches on the XXXX were going to be handed over to Citizens Bank . It was not my choice, although I could have shopped around for a better banking option. I was told by XXXX that everything in the process was going to be easy and seamless. 
Compared to XXXX, I was given little information by Citizens Bank on how things would be handled. 
My accounts ' balances were transfered over in early XXXX ( checking, savings and credit card ), and I was sent a new credit card, which I immediately started to use. 
I went by the book, and trusted that the process will be easy and that I didn't have any action to take, but in XXXX, I realized that I was charged interest because my credit card payment preferences hadn't carried over from XXXX. With XXXX, I was paying the " full balance '' in order to avoid paying interests, but with Citizens, I was downgraded to " pay the minimum due '' without having signed any credit card agreement. 
In total, between XXXX and XXXX, I was charged the colossal amount of {$790.00}, which I want to dispute altogether. 
I had called Citizens Bank several times, but they never agreed to reimbursing me the entire amount, given the circumstances. 
I am providing the last 8 digits of my credit card account number for reference and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Early Warning Services, LLC
State: IN

Complaint narrative:
My identity was stolen and used to open fraudulent accounts i found out on XX/XX/year> These accounts were opened without my knowledge or consent and are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
has come to my attention that you have included information in my credit report without obtaining my written consent to furnish or obtain my credit information as required under 15 USC 1681. I request that you provide documentation evidencing that you have obtained such written consent from 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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Since XX/XX/XXXX, I have sent money to XXXX XXXX for affiliate marketing via XXXX XXXX which was never materialized on XX/XX/XXXX the CEO of the XXXX XXXX XXXX send me a XXXX  message that he is not providing service anymore, which is approximately 10 to 15 days after receiving the payment from XXXX from my bank and Credit Card XXXX XXXX XXXX dollars. I followed the dispute with XXXX. They promised to have XXXX settle in our favor after 10 days which was keep delaying and delaying till this today is XX/XX/XXXX and XXXX informed that they will not receive any more appeal. they denied my eligibility for XXXX purchase protection plan I am unable to talk to the back, ground working team for eligibility approval of the refund They have denied some claim. They have settle in favor of the vendor who have never provided any services and also XXXX out of all the XXXX claims is in my favor which is about {$2500.00} For the same cases, they have refunded people money and in my particular case, they have declined it. 

I have to spend several hours every week every other day they have a horrible system of appealing they made my case as an investment which I told him it is not an investment. It is a service protection to be given for that it was supposed to be done for you abbreviated as XXXX affiliate marketing via XXXX XXXX XXXX XXXX. 
Paypal seems to be doing a fraudulent business because they are paying somebody and not paying some people have no explanation they should be question about this practices of making claims declined without explanation and nobody to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
UPON ME LOOKING AT MY CREDIT REPORTS NOTICE SOME ACCOUNTS THAT APPEAR TO BE FRADULENT

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 2025-01-04 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: NJ

Complaint narrative:
UPON ME LOOKING AT MY CREDIT REPORTS NOTICE SOME ACCOUNTS THAT APPEAR TO BE FRADULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX XXXX tried to collect this debt ( on XX/XX/year> ) and was reporting it on my credit report as a collection until I requested a debt validation and proof of serviceI filed a complaint with the CFPB that was concluded on XX/XX/year> that the company was unable to validate or verify the debt and would request the information be removed from my credit profile. From the looks of it that company ( XXXX XXXX ) has now sold that very same debt to this new company and is now reporting it under a new fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
In XXXX  home loan serve illegally took my house I did get behind on payments and I know there is programs to help that and home loan served kicked me out of every single one of them The XXXX XXXX make three payments on time I was struggling at that point and I called my loan counselor and told her on Saturday The money 's in the account for the last payment take it out My phone 's getting shut off on Sunday so I won't be able to call you and she has taken money out of our account many times before this she did not take the money out and we got kicked out of that program we tried to file a complaint on our loan counselor in the head guy till this we had no grounds to stand on after that they told us if we paid half of what we owed we keep us from foreclosure so I went down and got a title loan on my truck that I just paid off and we had to have it in that day My wife took it down to XXXX XXXX and deposited it into their account right at XXXX and there's no history of it it they said they never got the money it was {$2400.00} and at the end the paperwork they sent us it was nowhere to be found and the XXXX XXXX payments was nowhere to be found either I was already struggling to make my mortgage now I had to make it {$600.00} a month payment to keep my truck and my house was still being foreclosed which never went up for public auction I contacted them the day of the auction and told them I could get the money and they would not give me anytime to do that they sent me some encrypted message about how much I owed when I asked and the message only lasted like 2 minutes never seen anything like that before and they would not give me time to pay them they sold my house to somebody in Nevada that I'm sure already had it before or foreclosure did not go up for auction there's no record of our house being put up for auction and they did not allow me to pay them I had a friend that was going to loan me the money that day to pay it and they wouldn't give me the time and when the guy came that bought my house I got his number and I told him that I know they illegally stole my house and I had an uncle coming in that was a lawyer trying to intimidate him or scare him and he literally did not touch my house for 6 months until the limitations was up I had no idea I had any grounds to stand on because of my loan counselor I even contacted legal aid back then and the first lady I talked to told me I had a case and told me that she was going to get a hold of her lawyers to call back in 1 hour and when I did another lady answered and I gave her my information and she called me back saying that they was no funding for foreclosures and thank you have a good day and hung up the phone

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 2025-01-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital is falsely reporting debt to the credit Bearu of the amount of {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
2nd Attempt : XXXX XXXX XXXX XXXX Resurgent Capital Services Attn : LVNV or Representative XXXX Dear Resurgent : This letter is a reply to your email dated ( XX/XX/XXXX ), in response to my email sent on ( XX/XX/XXXX ). In my email that was dated ( XX/XX/XXXX ), I disputed the Alleged {$820.00} debt that you are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract. I Also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA. 
You failed to obtain and send verification of the alleged debt by not mailing me a contract. 
Instead of sending me a signed contract or agreement signed by all parties involved as requested, I havent received any such thing. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. ALSO, My personal information was released without my consent or knowledge to a third party.

You failed to cease and desist and delete Due to the previously stated, you have caused me and my family additional stress, frustration, credit damage, and costs. You have waived your opportunity to amicably resolve this issue without the need to litigate. I intend to send this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender me {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of XXXX XXXX within 14 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: LA

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XX/XX/XXXX on why and how this happened.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I discovered unauthorized purchases on two separate Navy Federal credit cards. On my Navy Federal XXXX XXXX card ending in XXXX, unauthorized charges totaling over {$13000.00} were made to XXXX. On my Navy Federal XXXX ending in XXXX, unauthorized charges totaling {$10000.00} were made primarily through XXXX and XXXX. 
By midXXXXXXXX XXXX, I took the following actions : Filed separate disputes with Navy Federal for each card Requested and received new card numbers Contacted all vendors ( XXXX XXXX XXXX XXXX ) directly to report the unauthorized accounts and requested immediate account freezes and closures Provided all requested documentation to Navy Federal Navy Federal initially provided provisional credits for the disputed amounts totaling approximately {$23000.00}. However, they later reversed these credits, claiming their investigation found the charges were authorized. They provided no explanation of their investigation findings, no documentation supporting their decision, and no information about the appeal process. Despite my multiple attempts to obtain this information, Navy Federal has not provided any details about how they reached their conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
I recently reviewed a copy of credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account off of my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Westlake Financial, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records.

Specifically, I would like to request the following in

formation : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account.

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know.

Company response to consumer: Closed with explanation