vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To summarize the event 's of my complaint, it was recently brought to my attention after checking my credit rating that there had been a collection added to my credit report. After looking at XXXX XXXX, I found the name of the debt collector which was Procollect , Inc . I immediately called a customer service agent on XX/XX/XXXX to get more information and it was at that time I was " verbally '' told of the collection. I never received any written notice via mail, email, phone call, text, etc., the customer service agent then said I had ( 30 ) days to dispute the collection. Procollect Inc., reported this collection on XX/XX/XXXX, to the credit bureaus without giving me proper notice, allowing me ( 30 ) days to dispute the validity of the claim, receiving a proper debt collection validation notice, or given the opportunity to pay before hitting my credit report. I've communicated this to Procollect Inc., several times via email which ultimately led me here and filing this claim. Closing, after doing a little due diligence and referencing the Consumer Financial Protection Bureau website. Procollect , Inc., improperly reported a debt to a credit reporting company without meeting its obligations under the FDCPA.

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 2023-03-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
3 fraud charges on my Citi Diamond Preferred credit card, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}. These charges were disputed with Citi Bank in XX/XX/XXXX when I started receiving late payment emails from Citi. I called them to report that they were fraudulent, I was told they would open a case. I continued to get late payment emails and phone calls asking for payment. I called them many times between XX/XX/XXXX and XX/XX/XXXX and have spoken to many representatives who say this will be resolved, there are language barriers and most of the reps seem to have trouble understanding. There were 2 cards involved, the original card that had the fraud and a replacement card they sent me. Apparently all the fees and late charges from the original card were transferred to the new card ( I canceled this new card on XX/XX/XXXX ) because I want to end my relationship with them due to their incompetency in resolving this issue. I sent them a letter dated XX/XX/XXXX explaining all of this in writing, I have not received a response. What concerns me the most is that this has impacted my credit score which has always been in the low XXXX 's now it is XXXX. I became a widow 2 years ago and count on my outstanding credit for my future needs. 
Before these fraud charges occurred I had not used this card in a few years, I should not be responsible for any amount due. Thank you

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 2023-03-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX- Account # XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX. XXXX XXXX is reporting late payments on my account and the account has been payed off! This is a billing error and I'm requesting that this is removed asap under 15USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. I am opting out which Is full in my right. Please honor this and immediately delete and remove my Information from being reported to consumer reporting agencies immediately. OPT OUT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am citibank customer for more than 20 years since we live in Florida i had a fraud case in my account number XXXX beginning of XX/XX/2023 that i call and reported While they deposited back after i issue two more complains with your bureau the fraud money they block my account since mid XXXX In the mean time a failed to pay my mortgages credit cards and destroy my credit after several and many hours speaking to various representative in Citibank a very nice lady agreed to send me the remaining funds in my account thru next day delivery by XXXX and she give o me the tracking number XXXX tracking XXXX This call was XX/XX/XXXX and since then I receive nothing I call again and i spend hours of my working time to tell me that I have to call again Friday I reserved my right for future claims against Citibank for all the hours i spend in the phone the interest rates that i pay in my credit cards the late fees in my mortgage 's and the credit damage

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 2023-03-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Please remove this spelling of my name on the XX/XX/2023 credit report - it is spelled wrong : XXXX XXXX Attached to this complaint are : - Section in Experian report which displays this wrong spelling of my name - My drivers license for ID and address - My social security card

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
incorrect overdraft fees to be reviewed from 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 2023-03-21 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: NJ

Complaint narrative:
To whom it may concern : I've requested debt validation twice from XXXXXXXX XXXX  XXXX and have not received any information about my request. On XX/XX/2023, I asked for the following : A breakdown of fees, including how they calculated what they claim I owe. 
A copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Proof that this company is licensed to collect debt in my state. 
They have updated the account status to closed. However, I want it to be removed 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 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Anderson and Associates Credit Services, LLC
State: WA

Complaint narrative:
During the months of XXXX to current I have made a a few attempts to contact Anderson and associates LLC in XXXX Oregon regarding this debt. I told the owner I was going to file bankruptcy to get rid of the debt and he proceeded to call me a XXXX XXXX XXXX. He also threatened to put a lien on my house. He has spoken to e in a hostile way. I believe this is a clear FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OK

Complaint narrative:
Escrow errors in the tax payments. New property, the city of XXXX has not established the correct accounts for the new addresses. New property is a duplex ( two seperate loans ) built on an old single-family lot. One tax bill is correct and appropriately charged to one of my loans. Flagstar in error charged me for two incorrect properties. XXXX XXXX records clearly show wrong owners and addresses. Subsequently significantly increased my escrow payment requirement to cover someone else 's tax liability. Have had four conversations over the last two months with escrow management. One incorrect tax account was removed, one still recorded in my escrow account, and not removed after repeated conversations. In the interim my escrow payment is incorrectly inflated, and I'm required to pay for their inaccuracies, or be in default.

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 2023-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I keep getting harassed by Ally Financial saying that I owe money for a XXXX XXXXXXXX. Then after I talk to them they call my other and ask for one of my sons. I have asked them to stop and they just keep calling

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX, I opened a Best Buy Citi Credit Card. Since XXXX, I have rarely used it ( I have maybe used it once or twice ). Around early XXXX of XXXX, I checked my credit report, and noticed that my credit score had unusually gone down. I have the XXXX XXXX, which allows me to see a snapshot of all my accounts, and it said for my best buy citi card, my credit utilization was $ XXXX {$4000.00}. Obviously I did not make this purchase. I took a deeper dive into my best buy account, to learn that an XXXX XXXX XXXX, and XXXX XXXX were both purchased using my credit card. I have this credit card, so I am not sure how this was possible. It appears it was purchased in store at Best Buy in XXXX, IL. I live in XXXX, IL. So I filed a report with the citi Best Buy credit card security team, and they are currently working on the issue. They issued me a new Best Buy Citi Credit Card. I don't plan to use it and I am going to close both accounts once the problem is resolved.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The company XXXX  sent money to the account I owed money and now they are saying it will take 60 days to get my money back. I have asked the company to send my money back to my checking account 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 2023-03-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : M XXXX & Account number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IN

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was contacted by a debt collection agency XXXX XXXX XXXX XXXX about a debt to Best Buy on XX/XX/XXXX, XXXX the woman who said her name was XXXX insisted that I verify my last 4 which she read off -- she said I owed best buy XXXX and I do nit have an account with Best Buy she called from the following Number XXXX XXXX XXXX XXXX _ I looked at my credit report an did nit see the debt - they claim they will garnish my wages

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 2023-03-21 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: IN

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I believe that Citizens Bank illegally reopened a closed account I previously had with Investors Bank. 

In XX/XX/XXXX, I closed the savings account I had with Investors Bank. The account was jointly held with my husband. In XX/XX/XXXX, I received a " Savings Account Statement '' letter ( see attached ) stating that I had an existing account open with Citizens Bank ( Citizens Bank purchased Investors Bank ) with a {$0.00} account balance. The account seemed to have been opened on XX/XX/XXXX. The last four digits of the account referenced in the letter match the closed account I had with Investors Bank. 

The letter states that fees will be incurred if we do not maintain a minimum balance of {$200.00}. However, a " New Account '' waiver was applied to the account so that such fee would be waived for the first four months. The letter implies that Citizens Bank illegally opened a closed account I had with Investors Bank. 

I called Citizens Bank to rectify the issue and they stated that they did not have an open account for me ; however, they refused to confirm as much in writing, which gives me great concern.

Company response to consumer: Closed with explanation