vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: AR

Complaint narrative:
On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning my name is XXXX XXXX and my bank account is at Wells Fargo, The fraud case number is XXXX I am writing because, on XXXX XX/XX/2024, I was the victim of fraud on my personal account emptying all the money available. 
They used my debit card for a total amount of {$3800.00}, it was the result of 15 transactions to the same merchant XXXX in a couple of hours. 

{$410.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$91.00} to crypto.com on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX  on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 I reported the same day the fraud and visited my bank the next day, the bank concluded that there was no proof of fraud and the transaction was normal, closed the case, they told me that my debit card zero fraud was denied by visa to recognize the fraud and the bank was not responsible and can do nothing for me. 
I visited my bank again and i certified that it was not me and during the afternoon of XXXX XX/XX/2024 my phone service was disconnected and properly victim of swap fraud and i didn't have my phone service connected to me. 
My bank refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and visa refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and my mobile company recognized that i didn't have service on my phone during the XXXX XX/XX/2024. 
My mobile service is XXXX and I give you full authorization to investigate and request all you need from XXXX XXXX ( my phone number is XXXX XXXX XXXX ). 

Anyone looking at these transactions realizes there is a Fraud, I am nobody and big organizations do the same to thousands of people and it is a drama to lose so much money saving for paying bills that I can not anymore. 
I am a victim of fraud and have never done these transactions, so please help me to resolve my fraud issue. 
I am completely available for any questions or missing information. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX XXXX XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: CT

Complaint narrative:
I was a customer for XXXX XXXX which XXXX by XXXX XXXX Back in 2021 I notice that my alarm system was not working Tried to contact the company multiple times with no success After many attempts to call the company and long time on hold I sent an e mail to cancel the service I got a response that I must sign a document through Dcu sign after signing and submitting the documents I was told that there are more steps to cancel and I received another billl from the company I wrote back that my service is canceling and I dont owe the money 2 years later and without any other communication I received a collection notice with adding interest and extra fees so form owing XXXX dollars they added XXXX in interest and XXXX dollars in fee and threatening if I dont pay they reporting to credit bureau and damage my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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 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 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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
This negative item does not meet the XXXX reporting requirements. I do not recognize how and why it is reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2019 my job XXXX XXXX. Paid me with direct deposit in the amount of {$780.00} when I went in my chime backing app I was not able to get in my account it had said that I was locked out I the. Called the bank to speak to a supervisor and no came on the phone another time I got a supervisor but there where not help they just told me they cant get into the account they asked me to send email with my ID my ss number and. Still havent gotten any answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXXXXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of 2021 through Experian. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My information was sold and bought legally because I was a victim of XXXX data breach.I want these items deleted from my credit report effective immediately. I'm attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts for my credit report. Lvnv funding LLC account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Insikt, Inc.
State: AZ

Complaint narrative:
XXXX sent my unemployment mail to XXXX XXXX parents home, his mom gave me one letter and I never received my benefits, XXXX job esigns was also on my fidelity account fraudulently and my taxes were frauded and changed illegally. For some reason his parents address is on MY credit report and I've NEVER lived there, XXXX XXXX XXXX XXXX XXXX az XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: LA

Complaint narrative:
I have received a notice of delinquency on XX/XX/2024. Kovo has reported a late payment on to my account after stating that there is a billing error. This company is violating my rights to privacy and are violating federal laws in place for consumers 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ). This account shall be placed as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: KS

Complaint narrative:
XXXX. I have had such a hard time figuring anything out with no help from XXXX  whats so ever. I have called them so many times to either get ran in a circle or just point blank hung up on before even getting a chance to talk. a few weeks ago I noticed my school loan amount jumped from XXXX to around XXXX as I was looking into it to see what changed because I personally did not do anything to make the loan amount significantly increase. I saw that my original XXXX loans duplicated to XXXX more loans totally XXXX loans and each XXXX pairs are the same. I called provider XXXX  because I had never seen them before and they said my loans were now through them and to call the other provider to make sure ( nelnet ) which I did and they said my account with them is closed and transferred. so I filed a dispute with XXXX  to have them take off that account because it is obviously no longer needed and nothing has changed. I should not owe XXXXXXXX XXXX I should only owe XXXX no one will help take off the duplicate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have an impound account setup for my mortgage company Flagstar to pay my homeowners insurance. I have 2 separate plans because I live in XXXX California and we all have a separate plan for fire insurance. In 2023 my mortgage company failed to pay my CA fair plan fire policy premium of XXXX dollars and it was cancelled. Then they tried to initiate force insurance and charge me XXXX dollars for it. I received a " final notice '' XXXX of 2023 even through I had already taken the steps to rectify the problem. Now they're trying to charge me XXXX dollars for a lapse in coverage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts. 

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/2024 I contacted USAA as I thought my DC may be compromised. They in turn disabled my DC and said they would ship one out by expedited shipping which still takes 3-5 business days to receive. I have one bank and it's USAA. So since they don't offer options on how we can access our money since they have maybe 6 - 7 brick and mortar buildings nationwide to do person to person transactions. In my case, my debit card was compromised, without another bank to do a bank to bank transfer which would still take 3-5 business days to process I am left without access to the funds in my account which should be considered criminal. They should not be able to limit a customer 's access to their funds by not having options for allowing me access to my funds just because my debit card was potentially compromised, yet they do not have any branches near me. Do not withhold the customers ability to access funds because they have an archaic business approach. They don't even have ATM 's nationwide, what kind of business limit 's its customer 's access to their money. It's asinine. When I brought up all of what I just said, their answer was 'You can transfer fundsXXXX  ( move money to an account with an available debit card, ATM card, checks ) if you know someone you trust to give you the fund 's '. That is an incredibly XXXX  way of telling customers how to access the funds in their USAA account, by finding someone you trust and transfer the money to them. That is borderline XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and Trans union are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXXXXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, Equifax and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Hello to whom it may concern, I have been paying XXXX XXXX  for almost two years after XXXX XXXX took over and my balance at that time was {$360.00} now we are in 2024 and its still at {$320.00} I called them and ask them to explain why hasnt it gone down they have nothing to say they are stealing from customers after XXXX XXXX took over I need an investigation on why my balance has not gone down since XXXX XXXX took over

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Yes, I have a Dell credit card that was used to purchase two laptops, but due to not being able to have them connect with my work system, both laptops were returned within a week of receiving them. Dell credit card was under Dell preferred accounts and they re-issued my credit on XX/XX/XXXX of XXXX  back to the original account that the payment came from Dell Comenity pay came and took the accounts over as of XX/XX/XXXX and are now stating that that account is still open theres a {$2000.00} balance on it that they are stating that I owe. A dispute was started on XX/XX/2023 to have this issue corrected. They ( comenity ) are telling me their investigation can take up to 90 days and then another additional 45 days to have it corrected on my credit report, which is almost 4 months but I have to wait with negative payments .I have sent them the information to show the credit memos to show that it was credited back and that they need to contact Dell to have the information transferred and I have not received any updates and I now have a derogatory mark on my credit report For being 90 days past payment date for an account that I dont owe money on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My card with card number XXXX is expired on XX/XX/22 but I was unable to request a replacement card.

Company response to consumer: Closed with explanation