vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: PayTomorrow, LLC
State: SC

Complaint narrative:
XX/XX/XXXX someone took a loan out with pay tomorrow in my name and borrowed money or bought merchandise.Ive contacted them in the past about this issue and I got hung up on twice, and cussed at once.I told them this isnt my account and that they need to verify people before granting them money or credit, and now I got a alert from XXXX saying this is on my credit profile.It shows on my consumer report that last payment was in XXXX of XXXX why wait two years to put this on my consumer reports? Im wanting this deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I want to know if the XXXX is the real collector. This is the name of the collector : CMRE Financial Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). 

I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. 

Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX  XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. 

The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX  XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. 

Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. 

Please force US Bank to return me the balance of my bank account funds immediately! 

Sincerely, 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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them 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 2023-07-21 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: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 2023-07-21 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: FL

Complaint narrative:
On XX/XX/2023, I called XXXX XXXX XXXX XXXX  to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.

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 2023-07-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX I used an XXXX XXXX credit card ( issued by Citibank ) to buy 2 tickets, total value of {$1900.00}. At the time of purchase I paid an extra {$250.00} to make both tickets fully refundable. Since the pop-up offering this option said nothing about fare conditions, I checked the fare rules ( supposedly legally binding ), which said that these tickets were refundable anytime. Both trips were cancelled well before the departure dates. But when I applied for a refund in XX/XX/XXXX, XXXX said the tickets expired one year after issue and would not be refunded. This was NOT disclosed when I bought the tickets. Since when does refundable anytime mean refundable only within one year? Does XXXX abide by its own fare rules? It appears they do not. 
At that point, I stopped making payments and disputed these charges, but got no useful response ( see dispute letter I sent and Citibank 's useless response ). I have also contacted XXXX XXXX about this matter, but they have refused to do anything to resolve this dispute, saying only that it is between me and Citibank. 
Now Citibank has filed a collection lawsuit against me, trying to force me to pay over {$2500.00} ( including an outrageous {$600.00} in interest ) essentially for NOTHING and threatening to ruin my credit if I do not. If they want to recover what they paid for the tickets, they should be suing XXXX, not me. This is ABUSIVE and this lawsuit needs to be withdrawn.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX NCA  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I previously contacted capital one to pay the quicksilver card in full for the amount of XXXX but the payment would have to be delivered by mail. I sent the letter containing the case number and a check for the full amount on XX/XX/2023 through USPS certified mail with a XXXX business day ETA. The letter was stuck in transit for over XXXX weeks and I sent out another mail containing the exact same things. The original payment was due on XX/XX/XXXX but since the letter got lost in the mail the payment was not received. After calling them to confirm the letter was not received and I was unable to pay online or over the phone, all I could do was wait for the check to be received. After their fraud investigation concluded on around XX/XX/2023 was I finally able to pay over the phone. At the time I confirmed with the representative that no interest or late fee would be added to the account as I paid the account in full for XXXX on XX/XX/2023. Now as of XX/XX/2023 I was alerted that capital one said I had an outstanding balance of XXXX due to paying late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was frauded out if {$3900.00}, paid for security deposit and 1st month rent via cashier check XXXX, Chase Bank. XXXX XXXX, via XXXX XXXX, XXXX XXXX XXXX XXXX Went to Chase Bank to report the fraud and no help was provided. Filed complaint with FTC and police report with XXXX Police Department. 

Individual represented himself as owner of rental property, requested cashier checks for payment, and never met to provide keys to rental property. Now, not answering phone nor returning text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I reported fraud to my account with unauthorized wires and transfers and USAA claims that I told someone a number to authorize such transactions when I did not. It makes no sense that I would wire money to a random stranger 's account to overdraft my own account. Now USAA has demanded that I pay for the money fraudulently wired to the criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Sentry Credit Inc ( XXXX XXXX XXXX XXXX, WA XXXX ) started reporting on my credit profile with inaccurate information for a account : XXXX. I contacted the company and they can not verify information or validate the {$5800.00} debt. In further research this company is attempting to collect a debt and they are not even registered in the state of georgia 's secretary of state business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: NV

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-21 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: IL

Complaint narrative:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/2023 Chase Bank closed my account ending in XXXX with a total fund amount of {$59000.00}. I have been calling non-stop to request my funds and still haven't received them nor an expectation towards when I will receive them. I really need my funds to pay my rent, utilities and groceries. I have been struggling financially due to Chase holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
called the creditor and reporting bureau no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX reporting/Transunion fraudulent open accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX XXXX XXXX XXXX account number 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 2023-07-21 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: AL

Complaint narrative:
called the creditor and XXXX XXXX no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Experian XXXX fraudulent XXXX accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX  XXXX  XXXX  XXXX  account number 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 explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have never had a credit card in my name. This account was opened fraudulently without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to bring to your attention a matter regarding my account, which was transferred from XXXX XXXX  XXXX Truist Bank without my knowledge or consent. As a result of this transfer, I encountered a situation where my account payment was delayed, leading to a late payment on my Truist account. 

I trust that XXXX XXXX  and Truist Bank value their customers and take pride in providing exceptional service. I have always been a responsible account holder and strive to maintain a good credit history. It is disheartening to experience such a disruption in my financial affairs due to circumstances beyond my control. 


XXXX Account number : 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