vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Never received {$700.00} bonus. I have called Citi bank over 40 times to solve this issue. I have mailed Citi bank 3 times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. 

I have attempted to resolve this issue for 7-months and no one has reached a solution on this matter. 

I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account.

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 2023-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorized these inquiries and they were done in fraud. I have included the identity theft report also. 

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 explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Claims Bureau, Inc.
State: NJ

Complaint narrative:
On XXXX my alleged debt was consolidated into another aggregated account. The original accounts seem to have not been erased. Therefore erroneously doubling my alleged debt. Moreover I paid XXXX on that date to the Professional Claims Bureau, LLC. They admitted to me and to XXXX ( the hospital ) that pcb has my XXXX, did NOT apply it to my debt, and admittedly dont know where it went once it got to pcb. They have had months to apply my money to my debt yet they have failed to. They also have stopped answering calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Both of these accounts are listed on my credit that do not belong to me. 


XXXX. XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2023, I applied for a $ XXXX loan with Navy Federal Credit Union to help pay off some debt. I submitted my application and was denied based on information in my consumer report. Well, I appealed their decision and was yet again denied based on information in my consumer report. I have been discriminated against based on bias information in my consumer report which is against the law. 

I, the consumer a natural person, was denied credit by NFCU when I applied for a $ XXXX loan on XX/XX/2023 Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691C and is pursuant to civil liability under 15 U.S.C. 1692k. You can not deny me based on information in the credit profile as that is discrimination which is prohibited and a violation.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by NFCU.

NFCU is in violation of 15 U.S.C 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

You are in further violation because my social security number ( credit card 15 USC 1602 ( L ) ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU.

If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for all violations ( { {$1000.00} } per violation ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Account # XXXX Name : Consumer Adj Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Resolution : Delete from credit report These accounts was added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. 

These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. 

Please delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
Debit collector has been told not to contact me at work and has done so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX # 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 a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX # 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 a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-01-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
Im a XXXX veteran living in XXXX XXXX, and because of that I am exempt from paying property taxes on my primary home. I closed on my property in XX/XX/2021 and it contained the documents which stated that Im exempt from paying property taxes. 

Three months ago I received Escrow analysis from ServiceMac stating that I was short because they paid some taxes to XXXX XXXX. This increased my mortgage by more than {$1000.00}. Ive called and explained to them multiple ( 10 ) times and they agreed that the payment was error on their part and XXXX XXXX. 

However, ServiceMac is insisting that I pay the full Mortgage with the taxes and they will send me a refund when XXXX XXXX refund their money. 

I believe the two organizations ( XXXX and XXXX XXXX ) made an error and the little man should not be paying for their errors/negligence. I dont have the money to pay this high mortgage, and Im pleading to anyone who will listen to help a XXXX veteran. 

I have included previous and current mortgage amounts. 

Thank you and XXXX Bless you for listening.

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 2023-01-26 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/22 I submitted a complaint through the CFPB about collection agency Ad Astra because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but XXXX is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. XXXX is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to Ad Astra in which they could not provide the required information. XXXX should follow suit immediately and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid 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: NC

Complaint narrative:
After an audit of my finances I some fraudulent charges on my credit cards. I was told because the charge is over 60 days old I wouldn't be able to file a claim how is this legal unfortunately for I don't always check my statements and usually just make payments I am now fully reviewing my statements monthly so this will no happen again. 

XX/XX/15 XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
On XX/XX/2023, LJ Ross and Associates contacted a family member of mine on their home phone after repeatedly calling them for the past couple of weeks. When calling my relative, they asked their name and proceeded to tell them it was an attempt to collect a debt. After she told them that she was not myself ( they stated my name and asked if she was me ), they proceeded to tell her the company the collection was for and the exact dollar amount of the collection. She told them that she was not the person whose name was on the debt nor has she ever lived in the city or state they are collecting for. 

LJ Ross and Associates has never contacted me via my phone number or address to validate the debt that they are collecting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: PA

Complaint narrative:
Cease and desist furnishing my personal data without my consent and remove all inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
After doing a minor audit I found a fraud charge I then immediately reached out to file a claim which was denied in a letter sent to me saying that because I make my payments on time this must not be fraud this is not right in my opinion as just because im in good standing with my credit card company. 

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TN

Complaint narrative:
I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I settled with in the past. I made a mistake I was XXXX in XXXX  XXXX  and didnt understand the importance of credit. I made a mistake and I corrected my mistake. I just want another chance with this great company. I feel like I shouldnt be punished for a mistake I corrected. I have XXXX collections/charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: KY

Complaint narrative:
NOTICE OF DEFUALT THIS COMAPNY HAS NOT REPSONDED TO MY CORRESPODENTS CONCERING MY CONSUMER RIGHTS BEING VIOLATED. 
THIS COMPANY HAS IGNORED THEIR DUTY TO PAY CONSUMER FOR ALL CONSUMER VIOLATIONS PURSUANT TO FCRA. 
THIS COMAPNY CONTINUES TO WILLFULLY WITH NELGIENCE HINDER MY LIFE BY NOT FOLLWING CONSUMERS DEMAND FOR THE VIOLATIONS THAT HINDERD MY LIFE AND WELL BEING. THIS IS BECOMING A STRESSFUL SITUATION WHEN IT SHOULDNT BE. MY XXXX XXXX AS A XXXX  SHOULD NOT BE AFFECTED BY VIOLATING COMAPNIES.

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 2023-01-26 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Last 4 of social security XXXX. 

This is a disputed Identify Theft and I have been on the phone with Discover Card for over 1.5 hours. During that time I was transferred from one person to the next, then waited for what seemed an eternity for next available agent. For 5 times, I was transferred then while on hold I finally was disconnected from Discover Card phone bank. Seems the discover card Fraud division has no clue how to get rolling on removing of the discrepancies and inquiries from my credit bureaus. This is totally unsatisfactory for any customer to be transferred this much. I have NOT done any business with Discover nor do I wish to. 

I have filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Report number - XXXX. 

Should you have any questions, I can be reached at XXXX or my email at XXXX. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The US Bankruptcy Court Eastern District of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, XXXX, Experian, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court Eastern District of Michigan explaining they do not give experian, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX

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