vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened a credit card with Dicks sporting Goods in XX/XX/XXXX for a promotion they were offering then. I made couple of purchases in the store after that to get the store discounts. I have not been using it at all in XXXX. I received a phone call in XX/XX/XXXX from Dicks credit card company stating that I have charges for sale that was made in XX/XX/XXXX. I explained that I didn't make those charges. I inquired what those sales were, and they said they have no specifics. I stated that I would like to close this credit card, as I don't use it, I don't even have the physical card .I was told that these disputed charges will be transferred to the fraudulent department, and that I shouldn't be responsible for making any payments. 
I continued to receive phone calls, emails, text messages, as well as paper statements sent to my house. I called Dicks credit card numerous times and explained that this amount was sent to the fraud department, as I didn't make this purchase. They agreed that I am not responsible for this fraudulent charges. I asked why I continue to receive all those notifications, and I was reassured that this will take time for me not to receive those notices. I specifically inquired about my credit score that I worked so hard to maintain, and they reassured me that this is not going to affect my score, as again I am not responsible for this. 

Today I was applying for an auto loan, and I received a rejection because of my " low credit score ''. I am a physician and my score has always been excellent. I never had any missed payments, and this adversely affected my credit score and my ability to purchase a vehicle. It also is affecting my medical business, as I was informed by the bank that this might lead to lowering my credit limits, or even canceling them.

This has taken so much out of my time trying to explain to the credit card company, and in all the times I stayed on line with them for hours, and the conclusion they gave me was that I am not responsible for this payment. So having this go to the credit score is destructive to my personal as well as my professional medical practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I live in XXXX, Florida. I took a 2016 HELOC from Wells on my residence. I drew down approximately {$68000.00}, with {$50000.00} approximate placed in one account, and {$18000.00} in a second account. Wells was taking {$420.00} each month from the smaller account. When that account was depleted, Wells did not draw on the larger account. Wells filed to foreclose on my home for the total draw amount. When I asked for information on the larger account, Wells would only advise that the account had been closed, with no other information available. Based on what little Wells has provided, I believe the amount diverted/retained/stolen to be {$48000.00} approx. There are additional amounts due, such as overcharging interest, but I can not calculate that without further records. I have filed a Counterclaim in the Wells foreclosure lawsuit against me, seeking additional damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/2023 To Whom It May Concern : I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be deleted. The errors which prompted this credit report dispute include A credit report was made from FEB DESTINY AND CB INDIGO these were not me and its showing that the cards are 200 % over the limit. I dont use credit but so I dont check but I contacted them through XXXX and XXXX has helped. I was to to contact you guys. 

FEB DESTINY and CB Indigo were done fraudulently and I should not be responsible for the debts that are on both of these cards. Ive tried contacting them both and it seems as if they are the same company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy XXXX. 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first XXXX digits of your credit card, not the last XXXX. The accent of calls are foreign sounding and callers are male and female.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a XXXX was filed with the irs by XXXX XXXX and to date i have NOT received a XXXX from XXXX XXXX  for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX  is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : 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 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I want to report experian again because they still have failed to update me with information regarding the claim. I have XXXX documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
XXXX XXXX  XXXX XXXX. Account # XXXX XXXX XXXX  XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX  ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
They put this debt on my credit reports this month out of clear blue no letter no account number of any sort, and they place this account on my XXXX, XXXX, XXXX. And there is no account and no amount due. This account is identity thrift on my credit file 's from this creditor. And need to be remove ASAP on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
XX/XX/XXXX company sent school tax payment to incorrect address ( clearly marked on letter address had changed XX/XX/XXXX payment returned to company XXXX issued escrow surplus check to me XX/XX/XXXX contacted company to inquire about payment, no correspondence ever received about missed payment XX/XX/XXXX I made/return payment to company to re-issue payment. Company to make payment by XX/XX/XXXX in order to not incur additional interest charges XX/XX/XXXX company withdrew funds to make payment XX/XX/XXXX funds returned. Advised by company that I would not be liable for any charges/late fees as they acknowledged wrongdoing XX/XX/XXXX company issued payment from escrow account + {$600.00} worth of late charges, fees due school XX/XX/XXXX company advised they would look into XX/XX/XXXX advised they will do escrow assessment as my account is deficient. Regarding incorrect payment of late fees, etc. from my account- under review and will be decided after assessment. 
All of this without any correspondence from the company that the school payment had been returned/not paid. Instead check sent to me as a " surplus ''. 
Company incorrectly report late payment in XX/XX/XXXX Applied for forbearance in XXXX, highly pressured to sign documents the day before mortgage rates dropped and covid related forbearance went into effect, Forcing my interest to increase and payments to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: LA

Complaint narrative:
I have been trying to reach this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.

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

Complaint narrative:
This inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Unknown XXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXXEQUIFAX false pre-approvals and inaccurate in consistent data 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXX false pre-approvals and inaccurate in consistent data 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 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 non-monetary relief
Consumer complaint received 2023-01-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express National Bank and XXXX XXXX XXXX XXXX XXXX, without notice, filed a lawsuit against me in a state where I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK
State: IL

Complaint narrative:
Starting to try to close account in which Commerce Bank will not because they say I need to use my reward statements. There is no possible way to contact any number to redeem my rewards ( i want placed toward my balance ) and all the numbers listed do not work or if someone answers they transfer to a line that does not work or have anyone to know how to handle. Days and hours have been spent trying a simple transaction and I believe it is a strategy design to not allow a consumer to close an account with them. Highly illegal and should be looked in to. I am a senior and I am being discriminated against and this bank has illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
After my last dispute & complaint against this collection agency, they began reporting the two alleged collections accounts incorrectly on my XXXX credit report. The two accounts were originally reported as Open under the " Collections '' section of the report. As of XXXX  2023, PRA is reporting the alleged collections accounts as Closed under the " Other Accounts '' section of the XXXX credit report. On both of my XXXX XXXX XXXX credit reports, PRA is reporting them as Open under the " Collections '' sections. This is beyond confusing and ultimately frustrating when my legitimate creditors access my credit reports. This discrepancy makes it appear as though I owe duplicate alleged debt collections to PRA when I actually do not own duplicate alleged debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I would like to know why it takes a long period of time to receive and have access to a refund when you make a debit purchase from your checking account and get a refund. It seems that the bank keeps your transaction pending for a few days before you have access to the money thats been refunded. I made a purchase and the merchant mistakingly charged me twice. Its gon na take a few days before I can access the money, even though its been turned in. This doesnt seem right because when you make the purchase, the money is instantly removed from your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
One day someone called me saying My car was in a accident but that was a lie because they said it happened in XXXX. I do not live in XXXX. I live in XXXX. they have not provided me any proof that the debt belongs to m, they did not do any investigating to help me get this debt removed. this is a false claim to get debt from me that i don't owe, this company has not once verified IF I AM THE PERSON TO CHARGE THE DEBT TO

Company response to consumer: Closed with explanation