vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: TX

Complaint narrative:
XXXX  XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was closed by Wells Fargo due to having suspicious XXXX activity. Every single person I have ever XXXX was a family member or a friend and theyre closing my account. Im stuck in XXXX and they will not allow me to access my funds! They say if they deem the transactions as legitimate they will continue to close my account and mail a check! Theyre holding my money for 20 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 explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX  ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : XXXX XXXX  Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XXXX of XXXX, I contacted XXXX XXXX XXXX and asked them if they offer services to my home air conditioning/heating system and they said 'yes '. Specifically, I asked them if they would pay for freon for my air conditioning system if it needed it. They said 'yes '. So I started paying them {$75.00} a month for the next 6 months. On or about XXXX, XXXX, I called XXXX XXXX XXXX again and requested a free home inspection which is one of their offers for opening the account. At that time, I again asked them if they cover the freon if it became necessary, only this time they said 'no '. At that point, I asked them to immediately close the account and asked for a full refund of the monthly payments to date. They refused, and then I was hung up on. I subsequently disputed the charges with Capital One Bank, the issuer of the credit card that I had used for these monthly transactions, to protect my rights and receive the refunds. At first Capital One issued the refunds, however the next month, they recharged my account of the charges. I feel that I have been defrauded with incorrect information from XXXX XXXX XXXX and now Capital One is not protecting my rights. What's more, to date I have not received ANY services from XXXX, despite my monthly payments to them. So they expect me to pay for services that I never received along with accepting their fraudulent information. I am asking the Consumer Finance Bureau to protect my rights and secure the refunds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-27 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TN

Complaint narrative:
I was charged extra money for purchases and it took my account and said the negative which I just loaded my car and put money on there. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2023 Tuesday Experien Response on XX/XX/2023 via CFPB as follow : This complaint lists someone the company does not recognize or their customers authorized representative Complaint ID : XXXX. 

My request to Experien in this new CFPB complaint to determine ( A ) a possible fraudulent case by an unidentified party against me during the litigation process conducted by 3rd party debt collector, XXXX & authorized by 2 major banks in USA. 
( B ) Mistaken Identify with someone else with exact same name as me but different social security no as Experien reported in my credit reportmy item XXXX of XXXX, in my previous complaint against Experience several weeks ago. ( C ) Something Else not yet determined. 

Once again, I am requesting a written details from Experience so that I can have sufficient information to determine ( A ) Case of Fraud against me ( B ) Mistaken Identify with someone else with exact same name as me but erroneously reported social security no. ( C ) Something else not yet identified. 
Upon receiving additional details of unrecognized party from Experien, I will investigate further as necessary to correct my credit report as reported by Experien. Thanks.

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 2023-06-27 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: IN

Complaint narrative:
I revied my credit report. I notice the following issues. 
Account Name : XXXX XXXX XXXX. 
date opened, high credit, date last reported, date last activity, please investigate or delete due to the fact that all credit reporting agencies are supposed to report 100 percent accuracy across the board for all credit reports, and it is not. I do not use XXXX on any paperwork. I was told that everything came back complete and accurate. How is that possible if the open date, date of last activity, and much more is incorrect? According to 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 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. I previously asked XXXX XXXX Bank for items by law. 
These items are : a payoff disclosure, interest rate disclosure, credit insurance, original contract with my signed signature on it. I never received anything.

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 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NC

Complaint narrative:
A collection agency Resurgent is trying to collect a debt that they say I owed to Syncovus Bank ( or the new owner of the debt XXXX XXXX  ) I spoke to Syncovus. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to XXXX XXXX which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : Synovus Bank Current Owner : XXXX XXXX XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 XXXX XXXX XXXX, XXXX. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In late XXXX, I found an offer online for XXXX Hilton Honors points for opening a new credit card account. The only reason I applied was to get those points. I never received any of the points. I have called customer service three times about this one particular, specific issue and was promised that the situation would be resolved to my satisfaction three times. I have never received those points. 
I met all criterion to qualify for those points. I spent {$1000.00} using the card within three months and have paid all bills in full each month. 
During my last call I demanded to speak with a supervisor. That customer service supervisor told that because I had closed a previous AMEX Hilton Honors card, that I was not qualified for the points. That information never appeared on the website, in the confirmation email, and was never communication to me in multiple phone calls I had with XXXX beginning the first day I applied for the card. 
This is a fraudulent offer, very deceptive and I am closing my account and intend to sue them in Small Claims court if it is not resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello. I am sorry that I do not know English, and you know this well. So, I am forced to get assistance, and so they are aware of this as well, of what you are doing to me unjustly.

Why is it that my credit report does not show my active American Express credit card that ends in XXXX? 
Fix this immediately. And report the correct information to the three credit bureaus, because they removed the account from their credit reports as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank offered a {$400.00} bonus for opening a new XXXX Checking Account. I did this and met all of the other requirements of the offer, yet they refuse to pay the bonus. They have stonewalled me for weeks on my follow-up efforts. They have lied and deceived me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 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.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was e-mailed a promotion on approximately XX/XX/23 from Applecard that said, " sign up for an Applecard, spend {$1000.00} within 90 days, and then receive {$150.00}. '' I signed up for their card through the e-mail they sent to me around XX/XX/23. I was immediately approved that night through their e-mail link. A couple days later I got another e-mail stating my physical card was on its way. 
I received the Applecard and spent the required {$1000.00} within 60 days. I then expected to see the {$150.00} cash back offer credited to my account after I paid off my bill. When it was not, I e-mailed them and then called Goldman Sachs. First they told me they would take care of the problem in two days, then 14 days, each time nothing was resolved. 
Now the latest is they want me to reproduce the original e-mail that they sent to me before they will credit my {$150.00}. 
Nowhere I was told that I needed to save this original e-mail and that I would be required to reproduce it as proof for my credit. My Apple e-mails automatically delete in my account after 30 days and this request makes absolutely no sense to me at all? I heard about the offer and applied for the credit card through their e-mail in the first place. I deleted it because I was already approved for the card. 
The only e-mail I could come up with is the one they sent me a couple of days saying my physical card was on its way. 
I have contacted Applecard several times and it has gotten more frustrating each time. I have talked to multiple managers who truly understand my situation, but have done nothing solve the problem. The people at Applecard clearly know the dates this promotion was going on and that I held up my end of the agreement within the required time frame. 
I have contacted my State Attorney General Office, who passed it to the Federal Reserve Consumer Help, who have recommended that I contact you. 
I really hope no one else is dealing with Applecard 's fraudulent and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: VA

Complaint narrative:
Equifax and XXXX has failed to insure my consumer report is fair and equitable to me at all times. I have not provided any written consent nor a court order for them to furnishing negative information from XXXX XXXX XXXX XXXX for which they are accepting monetary fees to aid in ruining my reputation. They are allowing XXXX XXXX XXXX to harass me on an alleged debt through the means of my consumer report which I refused to pay pursuant to 15 USC 1692c ( c ). This is an infringement of my privacy which constitues as identity theft for using and sharing my nonpublic personal information without my consent or knowledge!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: NY

Complaint narrative:
A credit line of {$300.00}, Indigo credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company XXXX XXXX XXXX , XXXX sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching Indigo as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both Indigo Credit Card and XXXX XXXX XXXX , XXXX .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
im not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOV ASSOC numerous letter was sent out requesting the original contract and all I received was a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: CA

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation