vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: CITIBANK, N.A.
State: GA

Complaint narrative:
VISA credit card with Best BuyXXXX CitiBank , NA. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to Best Buy and they stated they would file a fraud claim. During the mean time we received a new Visa Best Buy credit card. I did not activate the card, I destroyed the card and contacted Best Buy to close the account. I received from Best Buy Credit Services a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with Best Buy to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.

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 2022-08-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.

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 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Called Upgrade on XX/XX/22 to request a breakdown of my payments, what is going towards principle and interest. I was informed ( rep also spoke to the XXXX ) that they don't provide that and I would have to create my own amortization schedule in XXXX to get that. Problem is this is not a regular loan where it's set. I make payments and purchases and the amount changes. This information should be clearly disclosed on my monthly statements or given upon request. I have made several large payments to them and have no idea if they took everything towards interest or what. This is information that should be available to any consumer and should be a right to know, not hidden. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson, Cooper & Ortiz, LLC
State: TX

Complaint narrative:
We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from XXXX XXXX XXXX XXXX XXXX requesting that we pay them for the fraudulent checks they cashed. We contacted XXXX XXXX XXXX twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from Nelson, Cooper & Ortiz demanding payment for these fraudulent checks. Initially we thought Nelson, Cooper & Ortiz was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from Nelson, Cooper & Ortiz labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the XXXX. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a XXXX XXXX. 
I have attached a copy of all the communication referenced above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 instructions.

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 2022-08-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: DriveTime
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( account name and account number here ) has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover is currently reporting In accurate information. Account was resolved before closure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NV

Complaint narrative:
I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take XXXX days it was less than XXXX days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts

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 2022-08-30 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
It is XXXX XXXX thing after another with the bank. Customer service has XXXX XXXX  since they bought out Suntrust. I now have a negative {$50.00} balance because of a XXXX with the bank and a merchant. On XX/XX/XXXX I paid for a grocery delivery from XXXX but never got the food because the XXXX making the delivery went to the wrong place. I got a refund from XXXX for {$52.00} on XX/XX/XXXX. Then somehow magically I get charged {$52.00} AGAIN by XXXX on XX/XX/XXXX and it overdraws the account. I call XXXX and they tell me they issued the refund and don't know what is going on. I call Truist and spend half my XXXX life on the phone and they do nothing about it. Makes me want to pull my hair and teeth out while chewing on my sinews I am SO XXXX SICK of having to fight over things over and over and over with them. Who the XXXX is charging me the {$52.00}!! No one seems to know!

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 2022-08-30 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: Albert Corporation
State: VA

Complaint narrative:
My account was hacked and they used my ENTIRE paycheck. Over {$800.00} in XXXX day. The charges are all from businesses in XXXX, XXXX or XXXX. I am in XXXX. I can prove I never left. Also, looking at my previous charge pattern, I dont eat out. I dont know how XXXX person could make XXXX different restaurant purchases and XXXX different movie theatre purchases in a few hours. 

This happened on a Friday. Everyone gets paid on Friday. These charges happening after I got paid is not indicative of any special awareness of my account balance. Friday is payday for everyone. 

I was not aware of the charges until I got an insufficient funds message. The thiefs obviously just kept charging until something got declined. I immediately froze my card and XXXX more charges tried to come through after that. 

You are FDIC insured for this sort of occurrence. Why is my claim being denied when its so obviously fraud??? The transaction pattern is definitely indicative of fraud. XXXX restaurants and XXXX movie theatres in 1 day?! 

I just opened this XXXX account and this is my second direct deposit and someone drains my account?? Ive had my XXXX account for years and never had any issues. So this is a security issue on your end and I need my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a credit card with Venmo. Venmo sent me two emails this morning saying that my primary phone number had been changed. I did not initiate that change so I called Venmo to understand what was happening. While I was on hold, my ex girlfriend contacted me to tell me that Venmo had contacted her to collect my debt. When I spoke to the representative at venmo, they told me that they believed she was my wife and could not explain to me how they had gotten her phone number. They also could not explain to me why I received emails saying that my number has been changed when I had not initiated any change. I believe these emails are fraudulent in nature and designed to get people to call In where they repeatedly pressure you into making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX did respond to my complaint by saying they did not own the loan so they did not have to do anything to help. I contacted the owner they also did nothing to help my wife and I. 

Mortgage owner is : Wilmington Savings Fund Society FSB, not in its individual capacity, but solely as owner trustee of XXXX XXXX XXXX c/o Wilmington Savings Fund Society FSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX XXXX Loan 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
Consumer complaint received 2022-08-30 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: BROKER SOLUTIONS, INC.
State: OK

Complaint narrative:
" IDENTITY THEFT '' We received a voicemail from a " XXXX XXXX '' with New American Funding on XX/XX/2022 at XXXX XXXX. which concerned us because he identified as our licensed loan officer saying '' Hey, XXXX how are you this is XXXX I am your license loan officer here at New American Funding I am trying to reach XXXX in regards to an application that we got in so reach out to me and give me a call ''. He said twice that " have an application for you '' on the voicemail received. These two things are misrepresentations that not only confused us, but nearly had us giving our private information to a person that we THOUGHT was already our loan company. This individual identified as our loan officer by stating " YOUR LOAN LICENSE OFFICER '' on the call and repeatedly mentioned that he had our application. None of the factors laid out by law were adhered to, and hence was misrepresented at the highest level of sales scams.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit control Corp Is currently reporting XXXX accounts from what could be a possible XXXX XXXX reporting on my credit which I have no knowledge to and they will not provide enough information to determine whether I am the correct account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have an account in collection and contacted the LVNV funding to advise that the account was fraudulent opened and that XXXX XXXX the original owner of the account closed the account as fraud. 

they purchased the account and have asked me to for documentation for which I do not have. so I asked that they contact XXXX XXXX and have the account disputed. they transferred me to XXXX XXXX. 

who I have consistently called every 2 to 3 days since XX/XX/XXXX, advising them I needed to have this account removed and if after my dispute I would work to settle the account. 
every time I called they stated still in dispute. 

on XX/XX/XXXX when I called 3 days after my XX/XX/XXXX call they advised a judgement was issued on XX/XX/17 and that I could not settle and the dispute was still in process. 

they were not transparent with what was happening with my account and did not offer me to settle but sent for judgement during the dispute and I believe this account should be removed. 

I have tried for quite some time over a year to get this account settled and neither XXXX or LVNV funding would work with me? 

can someone from your office contact me with regards to what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
EdFinancial is telling borrowers that refund requests will take up to 300 business days, not including weekends or holidays. One representative stated that 2,000 requests have been sitting since XXXX. There are screenshots with proof of this on XXXX. Other servicers are completing requests in anywhere from 1-6 weeks. When asked, they have no valid excuse to provide for this situation. This is completely unacceptable and shady on their part. Many of us feel they are trying to mislead or dupe us, just as they had regarding XXXX. 

I called and received this information from customer service on XX/XX/2022, as have many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
An account was opened in my name with American Express. I did not open that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent several letters to TransUnion asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my TransUnion report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!

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 2022-08-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a bag from online merchant. I never received the bag I ordered, I tried to disputed the charge but my credit card company denied to dispute in my favor. 

Information : Name : XXXX XXXX SS # XXXX Company : Shell Fuel Reward Mastercard XXXX XXXX XXXX {$80.00} Transaction Date : XX/XX/2022 Account endind 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