vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had an insurance policy that had rolled over into a new policy year. They was so in a rush to renew my policy to over charge me for the driving recorded they said they occurred but that wasnt true 1 ). Because what they had brought up to me was already on my record before ny last policy with them. And also because I was accidentally informed it was about a non fault accident which legally my insurance shouldnt be raised for. 
So when my new policy started at almost XXXX a month they forgot to roll over my discount but not the new account fees. So about XXXX months into my policy it was causing horrible financial problems on my life so I took the time to call my insurance company for the millionth time ready to give up and stating that and also telling them I kno its a discount they can find for me. I then get told oooh I can get XXXX defensive driving course discount added to my policy which in XXXX XXXX State is 10 % if your policy. I asked them could they add that to my full policy amount because it shouldve been rolled over. It last for XXXX years and I had received it the year prior, which meant I had a whole policy plus more to go. So instead they denied my suggestion and told me they could only give it to the remaining of my policy balance of a month and a half - 2 months of XXXX which was only a {$200.00} a {$1500.00} difference in what I was owed. I told them to cancel my policy because they shown no mercy and care about what they had done and I even told them to go back to the conversations where it was recorded and at the time I provided the information of the date of the phone call where I was told by a male employee the difference was from the accident which wasnt my fault at all my car was parked. But liberty mutual has a bad reputation for paying for their customers needs. And it showed in my time with that insurance company. It ruined my life as a young driver under XXXX. After that causing me so much trouble to get a new policy. A XXXX premium added to my car loan and also tickets to where I finally had to move because it accumulated too soo much money and nothing was helping. This was unfair and it should be fully removed. I was told and lied to about my discount and everything being rolled over identically to the previous policy I had. The whole time being mislead untill I was almost so far in a whole financial and was ready to give up before I was enlighten about a discount only because I was ready to cancel my policy and move on before my term finished. Im literally in XXXX XXXX  against them right now for this exact statement I wrote.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
can not access credit file of verify login

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 2024-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
I received a {$100.00} VISA gift card from a realtor and have not been able to access the funds loaded on the card. In XXXX XXXX attempts to use the card in retail and on-line purchases were denied. After those attempts I noticed the 3 digit security code ( CV2 ) on the back was missing with a blank field where it should be. I tried resolving my issue on the company website XXXX XXXX  but they required the security code to file my complaint. 

When I called the company toll-free number I was told the card had been flagged for fraud and, to receive a replacement card, I had to fax them photos of the card, front and back of my driver license, and receipt of purchase. Those requirements pose problems as I dont have a fax, the card was a gift, and Im not comfortable sending my license information via fax to an unknown company. 

On the website XXXX XXXX XXXX many people complained their cards were flagged for fraudulent use, requiring sending personal info to the vendor, and still not getting a usable credit. 

Please register a complaint with the company for failure to resolve my issue.

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 2024-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Unfortunately, this was years ago. Wells Fargo sent me a check last year for XXXX. Cashed it due to financial situation. Don't understand how this fixes the hole they put me in. My fight was to get another vehicle to continue working as to continue bringing income in. Had no way or time to stand for my rights. Not looking to be greedy. But that which they've given me does not help with my credit status and further debt due to the reposetion. Thank you for your time and assisting in helping those of us who can't do so. 
Thank You, 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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
There was an account opened XX/XX/2022 that I did not open there have been 2 accounts open I. That year without my knowledge that I do not have access to and Ive been calling both companys and they keep saying that they sent letters for me to dispute but I never receive them, Ive been fighting this for 2 years now and still nothing, Ive called multiple times, filed a police report and everything and from what I told my information matches but I know for a fact it is not me I only have a XXXX  XXXX and XXXX XXXX account I dont have anything else other than the XXXX XXXX credit card as well, they are saying that I owe XXXX and I do not because I have no access to this account, I have never used it, the only bank I have is XXXX any credit card that I used is linked to my XXXX account, the only time I learned about this account is when I was checking my credit history and found out about it years ago and Ive been fighting it since and still nothing, then i get a letter today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received a text message from Chime on Saturday XX/XX/year> XXXXXXXX XXXX regarding an account was created for me. This is a company I have never heard of, nor I have ever conducted any business with. A few minutes later, I got emails to my gmail account welcoming me becoming a member of Chime. One of the mail is urging me to finish the setup. In the emails, I found no information of the account number or ways to contact this company to resolve this issue. I thought these must be some spam. 

On Sunday XX/XX/year>, I received an email from Chime asking to confirm the mailing address of the XXXX XXXX they were going to send me. The address is not my current address. And I have moved twice since I live there. There is no way for me to get the card to destroy if Chime send the card to that address. Again, there is no contact information on the email. If there is, I am hesitant to contact and try resolve the issue because I am unable to verify the contact info. I have receive another email on Monday XXXX that again urging me to complete the registration and setup direct deposit. I decided to ignore it. I just want to file a complaint as a record that I didn't contact Chime in any way, and mysteriously they decided to open an account for me. I hope this complaint will reach someone who can help resolve this issue with Chime. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I received a derogatory statement from SEQUIUM ASSET SOLUTIONS that I owe XXXX XXXX XXXX {$26.00} from an account I closed 2 years ago on XX/XX/XXXX. Firstly I didnt not even receive either a call or mail form either XXXX XXXX XXXX  or SEQUIUM ASSET SOLUTIONS about any outstanding balance. I contacted XXXX XXXX XXXX and I was informed it was a technical error from their side and they have corrected it. Though I closed my account in XX/XX/XXXX, the account was charged {$80.00} in both XX/XX/XXXX and XX/XX/XXXX. The two charges were successful since my account was on auto pay. XXXX XXXX XXXX costumer service indicated that they refunded the XXXX charges since I closed my account in XX/XX/XXXX. So with my account in good standing, the new charge of {$26.00} which showed on my account recently was a technical error which they resolved and cleared it of. My question is, if that charge was legitimate, shouldnt the collection company do a due diligence by contacting the me either by phone or mail?. For almost two years no one contacted me to explain the issue. I could have cleared the issue before them messing my credit line. Now that XXXX XXXX XXXX indicates my account is in good standing, what happens to the negative derogatory statement on my credit report? 

In conclusion, I received a derogatory statement on my credit report for a wrong financial statement from XXXX XXXX XXXX due to their own technical error. They indicated that my closed account is in good standing and I dont owe any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Attorney never viewed the files for any accuracy McM account # XXXX Balence XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I keep having the same problem with Onemain Financial someone is using my information and pulling my credit which is a hard inquiry on my credit report. I have contacted them concerning the issue and I also filed a fraud to the credit bureau this is still on my credit report someone trying to get a loan from my information. I was advised to put a freeze on all three credit bureaus which I have done today. But this inquiry is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank , N.A . Denied my dispute for a refund for charges to my Citi Card for service not received. ( a trip canceled by vendor ) History of dispute with Citi Card : XX/XX/XXXX I filed an initial claim with Citi ( R ) Cards ( referred to as Citi in this correspondence ) XX/XX/XXXX letter from Citi requesting additional information regarding this claim XX/XX/XXXX letter from Citi stating they are reviewing my claim INTERIUM : Numerous correspondence and phone conversations with Citi stating they are working with the vendor to obtain credit XX/XX/XXXX Denial letter saying, Based on the time that has passed since you canceled the services, we have no option to obtain a credit on your behalf Incorrect -see attached. 
Time passed because of my efforts to settle with the vendor, and the vendor canceled the service, not me. 
XXXX months passed with Citi denying me a refund for services I never received. a trip! 

The original trip was on XX/XX/XXXX -the start of the XXXX pandemic and the travel shutdown. The vendor rescheduled the trip ( to XXXX ) to XXXX. Pandemic restrictions continued. The vendor shut down travel to XXXX and replaced it with XXXX XXXX XXXX trip in XXXX. The ship being built-not finished-trip was postponed to XX/XX/XXXX. Shipbuilding delays resulting from the pandemic- postponed to XX/XX/XXXX - again postponed until XX/XX/XXXX. Less than XXXX hours before my planned departure on this trip, it was canceled by the XXXX through an email ( see attached ) I immediately requested a refund from the vendor and made multiple attempts for almost two months, but no refund was issued, and I learned that the XXXX had declared bankruptcy on XX/XX/XXXX. Within 60 days of realizing my efforts to get a refund from the vendor were futile, I filed a dispute with Citi ( R ) Cards for services paid on my Citi Card but not received. I provided Citi with all the information requested regarding this claim. On XXXX XXXX, a denial came from Citi for erroneous reasonsCiti knew services were canceled by the vendor, not me, and the delay referred to was caused by my multiple efforts to secure a refund from the vendor. 

Taking due diligence and actively pursuing a refund from the vendor, as recommended by Citi, to pursue a refund before filing a claim with Citi is being used by Citi for denial of the claim. My effort to follow directions, taking time to get vendor refund, delayed my filing a claim with Citi and is being used as a reason for denial. I paid Citi XXXX for a service I did not receive. This situation started with the pandemic, which provided very different circumstances, and in good faith, I followed the instructions to resolve this issue.

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 2024-02-05 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: CA

Complaint narrative:
Experian sent me an unsolicited copy of my credit report dated XX/XX/2024. I have already told Experian to cease and desist and stop contacting me and to lock the fraudulent, and slanderous " report ''. When I call to complain they only have XXXX XXXX with no agency on the phone who talk down to me and demand that I do things on their behalf. Clearly there is some international conspiracy to avoid legal repercussions by the criminal " banking system ''. For the last time. I HAVE NEVER MADE A SINGLE LATE PAYMENT TO A CREDITOR - EVER! I DEPOSITED COLLATERAL WITH A MAJOR US INSTITUTION WITH SPECIFIC CLEARANCE FROM THE SEC TO MAKE SUCH DEALS. THEY THEN IMMEDIATELY DEFAULTED ON THEIR OBLIGATION TO REPAY MY COLLATERAL. THEREFORE ALL THESE " CREDITORS '' ON THE REPORT ARE ACTUALLY CURRENTLY INDEBTED TO ME, AND IN DEFAULT BECAUSE OUR COUNTERPARTY, THE BANK, HAS FAILED AND NEEDS TO BE PLACED INTO LIQUIDATION. I WILL NOT BE MAKING ANY FURTHER PAYMENTS UNTIL MY COLLATERAL IS RETURNED. I WILL NEVER DO BUSINESS WITH ANY OF THEM AGAIN, AND THERE WILL BE NO SETTLEMENT UNTIL ADDITIONAL ARRESTS ARE MADE. I AM COOPERATING WITH ALL LAW ENFORCEMENT EFFORTS TO PROSECUTE THIS MAJOR AND ONGOING CRIME. NOW STOP CONTACTING ME, AND GO XXXX YOURSELVES. I DON'T CARE ABOUT THE INTIMIDATION LAW FAIR THEY ARE WAGING ON ME, BECAUSE GUESS WHAT, THE BANIK FAILED AND THERE IS NO MONEY IN IT ANYWAY. GET YOUR NO CONTEST JUDGEMENT AGAINST ME. I DONT XXXX CARE. MY BANK ACCOUNTS ARE ON XXXX OR NEGATIVE. YOU WILL NEVER COLLECT A CENT. BY THE WAY, I'VE RETURNED OVER 250 % A YEAR FOR A XXXX DECADE, AND CAN EASILY AFFORD XXXX XXXX XXXX LOANS. YOU COULD HAVE MADE SO MUCH MONEY FROM ME, IF YOU WEREN'T ENGAGED IN XXXX XXXX! I DON'T NEED YOU AT ALL! XXXX XXXX! LEAVE ME ALONE!

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis nexis could not verify the bankruptcy that have on my file according to the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have and account with Navy Federal Credit Union that my employer transfers {$200.00} every two weeks via ACH. I recently authorized all of my paycheck to be deposit into the same account. When I made the change I entered the last three numbers on the account wrong. I was not aware of that until I checked my account for the deposit. 

I called Navy Federal and was informed that the account that the money was transferred to was not associated with my account. I called back and spoke with XXXX XX/XX/24. I explained the mishap and he advised me he could fix the problem it would only take a few minutes. He placed me on hold. When he returned, he informed me that he could not transfer my money to my account. He stated that he could see that the money was in the wrong account. He stated that my employer had to fax a letter of " Indemnity '' to them.

I called my employer and informed them of the situation. They stated that they will reach out to our bank and request that the money be returned. Navy Federal is not complying and being very difficult. I even went into the bank with all my information and ID and they still denied me. They were very unhelpful and treated me as if I was trying to commit fraud. That's all they kept saying. I was never so humiliated in my life..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CA

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-05 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: CA

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: CT

Complaint narrative:
I want to make it public record today XX/XX/2024 that I have received notice from ARstrat a debt collector whom I do not wish to work with in any capacity. This company is attempting to collect an alleged debt on behalf of XXXX XXXX. In short, I pay my bills directly to XXXX XXXX and will continue to do so. Furthermore, I have never acquired any services through or with ARstrat and do not wish to presently or in the future. If this company ARstrat attempts to damage my credit by reporting me to any of the XXXX major credit bureaus XXXX, XXXX, or XXXX I will report the matter to proper regulatory authorities. I hereby publicly ask & declare thru the CFPB that ARstrat Cease & Desist in all communications to me XXXX XXXX as well as all mail and phone/cellphone communications. Lastly, I publicly ask & declare that ARstrat Cease & Desist in all debt collection matters in regards to any account I have with XXXX XXXX. To re-iterate I pay my bills through XXXX XXXX only, and will continue to do so.

Company response to consumer: Closed with explanation