vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I bought windows through XXXX XXXX who uses this bank. Wells Fargo. I made payments of {$1100.00} starting in XX/XX/XXXX. I had to make XXXX payments in XXXX because my checking account was compromised, if you look at the closed complaint to the XXXX  they agreed to refund my {$1100.00} XXXX payment but they sent it to XXXX Bank  on XX/XX/XXXX to my closed account ending in XXXX. The payment was retuned to Wells Fargo because the account had been closed. I made XXXX payment with my new checking account ending in XXXX. I now have another case study because this bank has NO clue of what they are doing. Case number XXXX agent is XXXX made on XX/XX/XXXX. They keep adding late charges but never call me back. I just paid what is the remaining balance of {$20000.00} today XX/XX/XXXX conf # XXXX. I am paid in full, I want the {$1100.00} and all these bogus late charges credited.

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 2024-01-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In early XX/XX/2024, I was attempting to book a flight on XXXX XXXX. There was a pop-up from Chase Bank offering {$300.00} credit that could be used on the purchase of the ticket. I applied and got approved only to find that United couldn't use the card because they need the CVC code on the card which should arrive in 5-7 business days!

I finally got the card, found out that my original United flight reservation confirmation code no longer existed. The fare has since doubled. I called Chase and asked about the {$300.00} credit. Was told it would now appear on my credit card statement after I booked the flight. 
What happened to the " instant savings ''? I consider this false advertising boarding on fraud. I am hoping you can investigate these actions and there was NO WHERE that stated the {$300.00} credit could not be used until the card was received in the mail. 

HELP and thank you for helping. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs abruptly closed my Apple Card and e-mailed me a form letter stating that I had violated the user agreement. I have NEVER missed a payment and I have never used the card to violate any terms listed in the user agreement. 

I asked for an explanation and apparently, Goldman Sachs doesn't know why the account was closed. I have great credit and I have never missed a payment with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
My federal student loans were forgiven by Mohela in XX/XX/XXXX. I waited 90 days for my credit report to show that the loans were paid in full and in good standing but as of XX/XX/XXXX, they still show a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received a letter from a debt collector name Linebarger Goggan Blair & Sampson , LLP says that I violated a parking spot for a total of {$43.00} as of XX/XX/2024. 

When I checked they website, they put a picture of my car as a violation car on date of XXXX, they didn't put the time, I called to ask for the time, a lady told me that it was around XXXX Location : XXXX XXXX XXXX XXXX TX XXXX Lucky me, I didn't pay as a guest, I have an account on their XXXX to have access to my payment history, when I checked, I saw that I paid this parking spot for XXXX, from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Receivable LLC Opened : XX/XX/year> Balance : {$1600.00} ( COLLECTION ) In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 1692c, and 15 USC 1692g ( b ). 
This company RESURGENT CAPITAL has violated my rights I do not have a contract with this company or did i sign any agreement. THIS IS A EXTORTION. 

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. 

-Someone used my information to retrieve products from this company without my consent. This account is unauthorized/ unverifiable and also not validated legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported the amount and then PROFESSIONAL DBT reported it AGAIN! I asked why when this has already been reported and they couldnt give me an answer. I said it was unfair that I was being charged twice if this really were me bill and that this bill belonged to XXXX XXXX and PROFESSIONAL DBT did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My family and I fell into a hardship during the winter freeze that Texas had which caused us to request a forbearance due to having to live elsewhere until our utilities were fixed as we have children and only one income. Mr. cooper was saying that they would help and that my payments would be put on pause, and they were. What they didn't explain was once i came off the forbearance that i didn't just go back into paying my same payment. So now the options for me became either go into foreclosure or go from {$1200.00} a month mortgage at 3 % interest to {$2000.00} mortgage at 7.5 % interest which isn't even affordable when the whole plan was to make my payments more affordable because of the hardship I was going through. So now me and my family are pretty much set up to fail and just end up going into foreclosure later than sooner. The forbearance is really in my opinion a tactic to get more money out of the consumer and pretty much take the house from them because that's all that can happen here. If i was having problems paying {$1200.00}, how is {$2000.00} more affordable? how does {$800.00} more a month help a consumer that has experienced a disaster? I really feel tricked and taken advantage of in this circumstance... they didn't help me, they set me up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
ONLINE INFORMATION SERVICE HAS FRAUDULENTLY ACCESSED MY PRIVATE AND PERSONAL CREDIT HISTORY WITHOUT FIRST OBTAINING MY WRITTEN CONSENT. THEY ARE A THIRD PARTY DEBT COLLECTOR AND HAVE NOT BEEN GRANTED ANY PERMISSION BY ME TO ACCESS ANY OF MY PRIVATE OR PERSONAL INFORMATION. I HAVE NEVER CONTRACTED OR AGREED TO DO ANY BUSINESS WITH THEIR COMPANY. THEIR ACTIONS ARE A DIRECT VIOLATION OF FDCPA AS WELL AS MY PRIVACY RIGHTS. WHEN I CONTACTED ONLINE INFORMATION SERVICE THEY REFUSED TO GIVE ME DETAILS ON 1 ) HOW THEY OBTAINED MY PERSONAL INFORMATION 2 ) WHO GRANTED THEM ACCESS 3 ) SENDING ME ANY SIGNED AGREEMENTS OR CONTRACTS BEARING MY SIGNATURE IN AGREEMENT TO CONTRACT OR DO BUSINESS WITH THEIR COMPANY 4 ) ANY SIGNED DOCUMENTATION FROM ME AGREEING TO GRANT THEIR COMPANY ACCESS TO MY PRIVATE AND PERSONAL INFORMATION UNLESS I AGREED TO THEIR DISCLAIMER. I DO NOT AGREE TO ANY OF THEIR POLICIES AND I SHOULD NOT HAVE TO AGREE PRIOR TO OBTAINING ANSWERS TO MY REASONABLE QUESTIONING. 
MY RIGHTS HAVE BEEN VIOLATED AND BECAUSE OF THIS FRAUDULENT REPORTING I AM SUFFERING GREAT MENTAL ANGUISH AND STRESS IN WHICH IF NOT RECTIFIED PROMPTLY I INTEND TO SEEK DAMAGES TO THE EXTENT OF THE LAW FOR EACH OCCURENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transaction completed by the consumer.

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 2024-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that Resurgent Capital Services is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and Resurgent Capital Services is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 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 And plenty more can you please help to make sure they follow the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: KY

Complaint narrative:
This consumer reporting agency is reporting INCOME on my consumer report. According to the IRS publication ( ATTACHED ) CHARGE OFF are INCOME. DELETE from my consumer 's report 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 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Have been Citibank credit card customer for many years. Very satisfactory relationship. Having sold my home in XX/XX/XXXX I had significant funds and decided it would be sensible to entrust some of the sale proceeds with Citibank. 
On/about XX/XX/XXXX funded new Citibank savings account on line with {$100000.00}. These funds were transferred from my XXXX XXXX  XXXX account. 
On/about XX/XX/XXXX added {$50000.00} to this Citibank savings account with funds transferred from my XXXX XXXX Checking account XXXX 
On XX/XX/XXXX received letter from Citibank saying they were unable to verify recent activity. At that time they placed new savings account in " restricted status ''. 
I received this letter on XX/XX/XXXX and immediately called. Citibank would give no reason for this restriction. During my 2 phone calls that day, Citibank told me they were reviewing the situation. 
On XX/XX/XXXX XXXX sent further letter advising they were terminating the savings account. This would be closed within 60 days from the date of that letter. 
I called several times to try to confirm what they were doing. 
At NO time has Citibank asked me for any additional information. 
Called Citibank on XX/XX/XXXX for update since the 60 day period was soon approaching. 
Was told by Citibank that a check for the entire balance in this savings account would be mailed USPS to my address of record on XX/XX/XXXX. 
When this check was not received by XX/XX/XXXX, I called Citibank to determine status. I was informed that ( 1 ) NO check had been sent and that ( 2 ) I was attempting to take funds NOT belonging to me and that Citibank would only send the funds to the actual account holder The Citibank employee called me a thief but not using that exact word. 
This Citibank employee then abruptly hung up the phone. 
After recovering somewhat from the shock at this news AND the employee rudeness, I called again this morning. 
At that time, I was informed that all access to my account was blocked from that Citibank employee. 
She suggested I go to a Citibank Branch and the closest branches are in the XXXX XXXX area ( some XXXX miles ) or XXXX XXXX ( XXXX XXXX XXXX ). This would be a real hardship. 
In summary, Citibank has determined that I am trying to steal money that I entrusted to them. They have NEVER contacted me via text or email concerning this. Their sole contact was in the 2 letters mentioned above. 
I am trying to get my money back.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I have a pending XXXX XXXX XXXX charge that is closed with no disposition

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with XXXX  and Equifax had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime says they approved Dispute XXXX but I still have not received funds and the check to settle my closed account was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 

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 2024-01-23 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: KY

Complaint narrative:
This consumer reporting agency is reporting INCOME on my consumer report. According to the IRS publication ( ATTACHED ), CHARGE OFF is INCOME. DELETE THESE INACCURACIES IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just notice on my credit report that is certain items on my personal information that does not belong to my person. My correct name is XXXX XXXX, my right and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy this is violation on the accuracy of this account in my credit report on transunion 15 usc 1691e ( b ) for maximum possible accuracy or 15 usc 1681i ( d ) for notification of deletion of disputed information. 

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. 

XXXX. account XXXX. last date of activity XX/XX/XXXX past due amount XXXX XXXX 

XXXX  ACCOUNT : XXXX LAST DATE OF ACTIVITY XX/XX/XXXX 30 DAY LATE CLOSED 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 non-monetary relief
Consumer complaint received 2024-01-23 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: KY

Complaint narrative:
This consumer reporting agency is reporting XXXX on my consumer report. According to the IRS publication ( ATTACHED ), CHARGE OFF is INCOME. DELETE THESE INACCURACIES 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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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 2024-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been fighting back and forth with the three major credit bureaus XXXX, Equifax, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.

Company response to consumer: Closed with non-monetary relief