vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We decided to switch banks to Citibank so we opened a checking and XXXX savings accounts on XX/XX/XXXX and transferred money to them. On XX/XX/XXXX, I realized I wasn't able to log in to my account online ( because they never sent me my debit card ) so I had to call them to unlock it and send me one. Once I received my debit card it wouldn't activate online so I had to be on the phone with them for XXXX minutes to get it activated. After all of these issues ( and additional issues applying for a CC with them ), we decided to leave Citibank so I asked what I need to do to close my accounts and they said I had to transfer the money out of the accounts and I could call to close it. So I transferred the money from checking back to our old bank account and tried to transfer money from savings to our old account but it said access was denied and then I couldn't login to my account. I called them and they tried to verify me using my phone # but said it didn't work so I had to wait for a letter to get verified. The letter came on XX/XX/XXXX, I called them again on XX/XX/XXXX to get my account unlocked ( because I wasn't able to access my account or have access to any of my money in my accounts during this time ) and the man on the line, after talking with the security team, told me I had to call them back in XXXX hours since their system was down. I called them on XX/XX/XXXX and the lady told me my accounts had been marked to be closed so I had to wait until my accounts closed in 30-60 business days and then I would receive a check in the mail with the money of all my accounts. I asked if there was a way to re-open them so I could actually get access to my money ( since I still wasn't able to access any of my money at this point ) but she said she couldn't undo the process and I have to wait 30-60 business days until they could mail me my money. There should have been no reason why I was locked out of my account in the first place ( since they literally told me to transfer the money out of my accounts in order to close my accounts to switch banks ) let alone now it is marked to be closed and I still don't have access to my money. They also never notified me of the fact that they were closing my account until it was too late and I was on the phone with the lady on the XXXX. I don't know even know how much money I have with Citibank right now and I want to know so I can make sure they send me all the money that is righfully mine.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2023, forged endorsement: someone else endorsed a check with my name. $XXXX  chase bank acc thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In early 2022, I was notified by XXXX, after making a XXXX time purchase that they had opened a XXXX  credit card and XXXX. I told XXXX, it was the merchant who sent the sale through XXXX, not me, I hadn't a choice. XXXX nevertheless, coerced me to keep the account by making it near impossible to close the account to just leave it open. I never applied for, accepted or used the credit account. It was opened via deceit and fraud. For the past year I've done everything imaginable to get them to close the credit account and the XXXX account. They have outright refused! This known fraudulent account, they REFUSE to close. They're damaging my credit rating with each passing day. It's crazy. This is racketeering!! See attached. I don't even know the account number. Its issued through a third party company, Synchrony. Synchronization, I have other accounts with, this one isn't listed, they say only XXXX can close this credit account I never opened.

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Good day, I took out a loan that was advertised to have a lower interest rate than what I am paying at the moment. 

I am now paying 188 % on a {$1700.00} loan. I have paid on-time and would like to get out of paying the insane interest rate. 

Is there a way that you can help, please? 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
Hi there, The reference # is XXXX, regarding XXXX XXXX XXXX. 

This is the first time I received the letter. On which address is this debt collection about? 

Please email me at XXXX or call my land line at XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
I incurred a medical expense in XX/XX/2023. The bill was paid in full on XX/XX/2023. 

On XX/XX/XXXX, the payment was returned to my bank ( XXXX ) without any explanation. On XX/XX/XXXX, I called the billing office in response to a XXXX bill that I received. The billing office confirmed that they had returned the payment and said that their back office was reviewing, and I should disregard the new bill and wait to hear further. 

On XX/XX/XXXX, I received a second bill for the same amount and paid it in full again on XX/XX/XXXX. On XX/XX/XXXX, I received a third bill for the same amount as the two previous bills. I contacted the billing office in writing giving the details of the XX/XX/XXXX payment and asked them to advise on the new bill. No response has ever been received. 

On XX/XX/XXXX, I called the billing office again. My bank sent proof of the payment ; the medical facility said that the payment was found in their system but said it had not been cashed. I was advised to allow additional time for you to process the payment. 

On XX/XX/XXXX, the second payment was returned to my bank with no explanation. The medical billing office did not contact me in any way, so I didnt realize this until I saw it in my bank account earlier this week. I immediately paid the bill in full for a third time. 
Yesterday, I received a notice that this bill had been turned over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
USASF Us Auto Sales finance company gave me a loan in XXXX of XXXX and I have made payments on all the loan due dates thru XXXX of XXXX. USASF shut down and I tried to continue getting payments to the correct lender and asked for a copy of my contract which I have yet to recieve from US auto sales. I have never missed payment and financed a warranty and GAP coverage into my loan that I am being told by the warranty company XXXX told me is no longer valid. My car was shut off by USASF several time even though my payments were made on time. I have been trying to get my contract information but a new company Westlake portfolia says that I owe more than my balance and will not give me a copy of my original contract. I should not be making payments on a loan that I did not get coverage for GAP or warranty even though I paid for those services. I need help getting my car information updated. USASF marked my loan on my credit report was paid in full. Westlake has not validated the debt and I am not comfortable paying on a loan that has been marked paid in full and has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a XXXX loan of {$35000.00}. I attended XXXX XXXX XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX loan from XXXX years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!

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 2023-08-10 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am not sure why this continues to happen, but it SHOULD NOT be. Dept of ED/XXXX has popped up on my credit reports as having a XXXX  loan of {$35000.00}. I attended XXXX XXXX  XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX  loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!

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 2023-08-10 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 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 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 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 2023-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts were opened without my knowlege and i want them removed from my credit reports XXXX, Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.

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 2023-08-10 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I had persistent problems with this card and them changing the charges and re-billing it. The Account was under a zero finance promotion until XXXX. On XXXX of XXXX I went online to check my XXXX XXXX account, ( Genisis Credit card company ). The account was blocked and showed a XXXX balance. I didn't receive anymore statements from them until XXXX of XXXX. They deliberately block my account to make it look like I missed a payment. after calling and asking why they we're refilling the finance charges and why they wanted me to pay a minus payment of XXXX I couldn't get an answer. The one person I spoke with along with My son being on the phone, was the same person that stopped my statements before. She threatened to report my account to the credit bureau because she didn't like what we we're saying to her. So I've been reported as being late on a payment that showed a XXXX balance in XXXX of XXXX Now they are requesting a XXXX minimum payment on a {$1900.00} interest fee ( which Im still under the interest free until XXXX ), with a {$41.00} late fee. This has cause several problems with my credit. My minimum payments were less than the {$190.00} a month I was paying. If I could pay more I would.

Company response to consumer: Closed with explanation