vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The company, MIDLAND CREDIT MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
On or around XX/XX/2023, I received a debt collection letter from Jefferson Capital claiming that I owe {$6100.00} to the XXXX XXXX XXXX I then called the Jefferson Capital and I told them that I do not recognize such debt because I have never ever opened such an account with XXXX XXXX XXXX. I then checked XXXX XXXX on which I found that this account exists in my credit file. It was someone else who apparantly used my identity and opened this account. I would like the law enforcement initiate an investigation on this fraudulent account and I also request that the credit report agencies remove this account that does not belong to me.

Kind regards. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I hope this message finds you well. I am writing to seek assistance regarding a concerning situation I have encountered with Citizens Bank in relation to the closure of my Home Equity Line of Credit ( HELOC ). 

On XX/XX/, I successfully closed my HELOC account with Citizens Bank, following the bank 's assurance that I would promptly receive a written confirmation of the loan closure, including the removal of the lien from my property. However, despite their initial commitment, I regret to inform you that nearly three weeks have passed, and I am yet to receive the promised confirmation letter. 

I have diligently followed up on this matter by making repeated calls to Citizens Bank, but regrettably, I have consistently received the same response from their representatives, which is, " You'll be receiving that letter soon. '' This delay has caused me significant distress as it jeopardizes my ability to close an HELOC application with another financial institution, and my deadline to finalize this transaction is swiftly approaching on XXXX XXXX XXXX Failing to meet this deadline would result in the rejection of the loan application. 

Considering the urgency of this situation and the potential financial consequences it may entail, I kindly request your intervention and assistance in expediting the process of obtaining the closure confirmation letter from Citizens Bank. Your prompt attention to this matter would be greatly appreciated, as it is essential for me to secure the required documentation without further delay. 

Please do not hesitate to reach out to me should you require any additional information or documentation to assist in resolving this issue effectively. I am grateful for your support in this matter and trust that your intervention will help bring about a swift resolution. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from 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 2023-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I graduated college in 2013. I have been dealing with these fowl people for 10 years now. Initially they told me when I couldnt pay my loans back upon first graduating, that I quote, should eat more peanut butter and jelly. But now, I am trying my hardest to pay what I can, making barely above minimum wage and still raising a child and paying day care and all my other bills. I am enrolled in the rate reduction program with Navient. They make me call every 6 months to re-enroll. Occasionally, it seems THEY mess up and schedule the new date to where I skip a month. But they are the ones creating the dates. So, the calls start. I got 7 calls JUST YESTERDAY, 5 earlier today, and several the day before that. While at work, I am unable to pick up, IN A XXXX  These calls are harassment. When I do answer, I have to sit on hold and go back and forth with rude arrogant men most of the time who when they realize they are wrong, like to be VERY nice. But, they dont need to speak to anyone like that to begin with. They are not only calling me this many times, they are calling my co-signer. So in 3 days, we got almost 30 calls. And this is not the first time. I am SOOO SICK of having to stop making dinner for my daughter, the only 2 hours a day I have with her because Im working my XXXXXXXX XXXX to try and actually pay these people, to argue about my loans that I am indeed paying on. Its insane to me. Im being treated like a criminal. NAVIENT ARE THE CRIMINALS and if I could press charges for the way they treat me as a consumer I would, but I dont have the money to do that, because I am actually paying my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with CREDIT COLLECTION SERVICES, they did not provide me with the original contract as I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
For the month of XXXX and XXXX, American Honda Finance reported that payments were late. 15 US Code 16814 titled Definitions Rules of Construction paragraph 2 of this title is titled exclusions and Sub paragraph A, Subsection I states that transactions are not included in the Consumer Report. Also, the payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX charged {$1000.00} on my Citibank debit card. 
XX/XX/23 XXXX charged {$2000.00} on my Citibank debit card ( {$1000.00} of this was credited back the next day ). 
Citibank owes me {$2000.00}. 
I was a victim of identity fraud. I have spent the last 9 months trying to get my money back from Citibank. They keep opening and closing cases. They won't speak with me directly. I've followed all the requirements and hoops that Citibank has had me jump through. I have filed a report with XXXX Police Dept as well. 
Most recently, Citibank has told me it's too late to get my money back. I have been fighting this as soon as I found out about it.

The Citibank fraud dept is set up so that you can never talk to the person making the decision and then they mail you a letter to say your case is closed. It says you can request documents for why they made this decision, but I never received them after I requested them.

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 monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Sezzle Inc.
State: GA

Complaint narrative:
I purchased a non-expiring electronic gift card foe XXXXXXXX XXXX XXXX  store ftom the Sezzle marketplace in XX/XX/XXXX. I have not been able to use it and could not remember using it at all. I was told by Sezzle reps, including a supervisor that the final balance of {$85.00} was used at XXXX in XX/XX/XXXX. This is not possible as when I contacted XXXX in store they could not find the gift card active in their system. The link Sezzle provided me could not locate the card either. The card is not, and never has been active in their system. No one will provide the evidence that all {$290.00} was used on the card or provide me with contact information to file a fraud claim. I have the card information, a screenshot of the tracker saying the card is not found, and a photo of the customer service screen in the XXXX that says the card is not active in their system. I submitted this to Sezzle and they refuse to issue me a refund or a card that works. I am just expected to give them {$290.00} for no gift card or service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from 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 non-monetary relief
Consumer complaint received 2023-09-20 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 RE : ACCOUNT NUMBER XXXX DEAR PROFESSIONAL DEBT, I WAS INCONTACT WITH XXXX XXXX FROM YOUR DEPARTMENT BUT HAVE YET TO GET AN UPDATED RESPONSE. I EMAILED WRITITNG TO YOUR MOST RECENT CORRESPONDENCE RELATED TO THE ACCOUNT NUMBER I REFERENCED IN THE SUBJECT LINE ABOVE. AS I AM CONSIDERING THE POSSIBILITY OF SETTLING THIS DEBT. 
I ACCEPT NO RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I SENT AN OFFER OF {$1500.00} XXXX LUMPSOME OF PAYMENT TO PAY THIS ACCOUNT OFF WITH AN EXCHANGE OF THIS ACCOUNT BEING DELTED AND REMOVED. I THEN RECEIVED A CORRISPONDANCE ON THE XXXX STATING THAT {$2700.00} IS YOUR CLIENTS BEST/FINAL OFFER. I THEN SENT ANOTHER EMAIL STATING THAT {$2700.00} IS NOT SOOMETHING I CAN PAY AND MOST DEFINITELY NOT BY THE XXXX. HOWEVER I AM TRYING TO TAKE CARE OF THIS DEBT BEFORE I LEAVE OUT THE COUNTRY. I WOULD LIKE TO BE ABLE TO SETTLE THIS DEBT INSTEAD OF SITTING FOR 7 YEARS AND FALLING OFF. 
AS OF NOW {$1500.00} IS THE MOST I CAN PAY ON THIS DEBT. IF GIVIEN UNTIL THE XX/XX/2023 I CAN PAY {$2000.00} ON THIS DEBT TO SETTLE IT OUT WITH A XXXX TIME PAYMENT. AS STATED BEFORE I DO NOT ACCEPT ANY RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I CAN OFFER A SIGNIFICANT SETTLEMENT AMOUNT IN EXCHANGE FOR THE FOLLOWING : XXXX. YOU AGREE, IN WRITING TO DESIGNATE THE ACCOUNT AS PAYMENT IN FULL ONCE YOU ARE IN RECEIPT OF THE AGREED UPON PAYMENT AMOUNT. THE ACCOUNT WILL NOT BE DESIGNATED AS A PAID COLLECTIONS OR SETTLED ACCOUNT. 
XXXX. YOU AGREE, IN WRITING TO COMPLETELY REMOVE ANY, AND ALL REFERENCES TO THIS ACCOUNT FROM ALL CREDIT BUREAUS TO WHCH YOU REPORT. 
HOWEVER, AS I DO DISAGREE WITH THE SETTLEMENT AMOUNT SENT. I AM WILLING TO PAY $ XXXX {$2000.00} TO SETTLE THIS DEBT DEPENDING ON THE DATE OR TIMEFRAME GIVEN IN EXCHANGE FOR YOUR AGREEMENT TO REMOVE ALL INFORMATION REGARDING THIS DEBT FROM ALL CREDIT REPORTING AGENCIES, SO WOULD YOU REPORT WITHIN XXXX CALANDER DAYS OF RECEIPT OF PAYMENT. 
IF THE ABOVE MENTIONED ITEMS CAN BE MET, IM WILING TO MAKE THE PAYMENT ON THIS DEBT IMMEDIATELY. WHEN I AM IN RECEIPT OF A SIGNED AGREEMENT WITH THE AFOREMENTIONED TERMS FROM AN AUTHORIZED REPRESENTATIVE ON YOUR COMPANY LETTERHEAD, I WILL MAKE PAYMENT. AS I LOOK FORWARD TO RESOLVING THIS MATTER QUICKLY. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir/Madam- I have an online Capital One 360 Account, since year XXXX. This account had an overdraft feature of {$1000.00}. The feature used sparingly by me. However, it provided me a degree of comfort Banking with Capital One in case of an emergency. I also have a Capital One Credit Card and I keep the auto payment option active, so that my payments are automatically processed every month. 

On XXXX or XXXX of every month my auto payment processed the credit card payments. In the month of XXXX a payment of {$2400.00} was declined by Capital one on account a {$14.00} shortage in my checking account. I called the Capital One 360 Bank and asked them as to why my payment was declined and I was informed that the overdraft feature was discontinued in XXXX XXXX. From my statements I can see the overdraft feature was used by me in XXXX of XXXX as well. Moreover, discontinuation of the overdraft feature was not communicated to me by the Capital one 360 compliance team. However I made the payment of {$2400.00} on XX/XX/XXXX promptly upon receiving a text message about my payment not being processed. They made some major changes to the software online and did not communicate the changes to the customer. The Capital One Credit card team has charged me late payment fee of XXXX on XX/XX/XXXX. Looks the compliance team at Capital One did not provide adequate explanation nor communication to the customer. Also Capital One Bank is facilitating the Credit Card division to make predatory charges though they remain two different entities. I would require a third party to arbitrate and ensure that US consumers are not taken for granted. We form 60 % of the US economy and we deserve the due process to be followed through trust in Banking. 

Note : On the day of the transaction my Savings Bank account had an excess amount, which could have ultimately processed the transaction in a timely manner. Capital One ignored this aspect too. 

regards XXXX XXXX

Company response to consumer: Closed with explanation