vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm filing a complaint against Transunion for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello My name is XXXX XXXX and US BANK closed my account with no explanation i been getting the run around regarding why the account was closed i was told wait on the letter US BANK has my money on hold so i cant withdrawal any money for bills rent nothing i received the letter on XXXX. The letter stated no reason why the account was closed it stated once all obligations has been filled in debts has been cleared or any obligation owed to us bank a cashier check will be sent out i have no obligation to us bank nor do i owe them any money i want my money released right away i have bills in rent due

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 2023-03-27 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX  my XXXX insurance policy was up for renewal. They wanted to double my insurance payment due to an accident my son was involved in. Before the renewal was due I shopped around and went with XXXX insurance. I contacted XXXX on a 3 way phone call with my new XXXX representative and closed my XXXX account. A little over a month later they kept sending me bills as though I was still a client. I called them and told them I dropped them they insisted I didnt and claimed I had to send a form to prove I went with XXXX and dropped them. XXXX did on my behalf and then in XXXXXXXX XXXX XXXX they got a collection agency after me. I called the XXXXollection agency credit control services told them the situation and they asked me to forward the information to them of how I had insurance with XXXX and dropped XXXX and I did I believe 2 times. I recently seen it got dropped from my XXXX XXXX report but not from the others so today XX/XX/XXXX I called again and explained it all over again and although they were very polite and helpful they want me to pay the debt of {$730.00} which I do not owe. They even offered to knock it down and offered me a payment plan. I told them I appreciate you offering me this but I do not owe XXXX a thing and Im not paying them at all. I asked if she could help me settled this with XXXX and she said all she can do is offer me payment options. I think this is absurd what XXXX is doing. i No longer use them I dropped them and did it before my renewal was due and they were notified more than once and still they continued to charge me. I hope this matter gets resolved with your help. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am so displeased with the way my information was used by Portfolio Recovery Associates. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a promotion mailer in XXXX for {$300.00} bonus payment after XXXX days with {$1000.00} deposit, and additional {$100.00} for new savings account. On XX/XX/XXXX, I opened both checking and savings accounts and received my first direct deposit of greater than {$1500.00} on XX/XX/XXXX well before the XXXXday deadline. According to the payment schedule, my bonus of {$400.00} should have been paid by end of XXXX. After not receiving the payment, I called the bank on XX/XX/XXXX to inquire about the payment. They asked for the code, which I gave over the phone. I was then transferred to a supervisor, who then made me repeat the code, and then proceeded to tell me that my account was not tied to the promo-code and therefore I would not be getting the bonus payment and there was nothing she could do. I asked how come, because I went to the weblink provided on the mailer and entered the code, prior to opening my accounts, and she said, maybe there was a glitch in the system. I then expressed, that was not really a suitable answer, because a glitch in their system was not my fault and I should still be paid the bonus, because I have the mailer in hand and the code. I asked if they could look into it further to see what happened, and she said no, this is where it ends, that is why you were transferred to me. I told her I felt like I had been scammed and would be filing a complaint, so the same thing does not happen to someone else. I would like to receive my bonus payment and an explanation of what happened in the first place. 

Thanks you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion keeps allowing a third party debt agency whom I don't know and have never had business with to post negative reports on my credit account repeatedly which lowers my score month after month. This despite disputing XXXX , XXXX XXXX XXXX , XXXX 's alleged claims agaist me.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received two different credit cards from Bank of America that I did not apply for nor request, account numbers XXXX and XXXX. 

They refused my request for details on the source of these applications. 

I am presently a BofA customer, although that might end without this being resolved with that information.

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 2023-03-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Wayfair and CitiBank NA has filed false claims to XXXX on XX/XX/2023 stating my credit card was opened up due to identity theft and fraud. Citibank Security Fraud employees sent documents via US Mail to XXXX to collaborate their lies. XXXX opened an investigation against me # XXXX. This is Wayfair and CitiBank ongoing discriminatory and harassment against me because I was shopping at WayFair while being a XXXX woman. To this date my credit card accounts balance is incorrect. To this date I have false accusations against me by their XXXX employees ongoing discrimination against me because of my Race. Their employees has lied repeatedly, generated false account notes, open misleading fraud allegations against me all because I was shopping while XXXX. Today, CitiBank employee by the name of XXXX threatened me and demanded I supply him with my other credit cards that are managed by CitiBank. I only provided my Home Depot credit card information. 

I filed a lawsuit dispute against Wayfair for merchandise that I purchased that the company refused to provide. Wayfair provided the credits back to my credit card and I thought the matter was over with. Because the merchandise that was sent to my home was 2 beds that I never ordered was returned. I made a conference call with XXXX from Wayfair and XXXX from Citibank and on the call Wayfair Rep XXXX read all the credits she processed back to my credit card! I thought the matter was over. Unbeknown to me Employee from Citibank reported to XXXX that my credit card is a fraudulent card application and they closed my account! Citibank Security Fraud department then on XX/XX/XXXX call the Police and gave false information to the police stating, Her credit card is in collections and she made a threat! The Police responded to their false accusations and came to my home at approximately XXXX. The caller who made the call gave the Police the name as XXXX XXXX and a phone number that begins with XXXX area code. 
XXXX confirmed that a fraud investigation is currently opened against me. 

To date CitiBank and Wayfair discriminated against me because I shopped with Wayfair while being a XXXX woman. Their lies, false accusations is causing me tremendous stress and anxiety that due to their lies that the Police will come to my home and kill me just like what happened to XXXX XXXX and XXXX XXXX XXXX when Police killed them based on false information and calls from people telling lies! I need help! Citibank has lied repeatedly Wayfair has lied repeatedly! I want to be compensated for this ongoing harassment and discrimination because I am a XXXX woman!

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 2023-03-27 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, These companies ( Navy Federal CR Union, XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NJ

Complaint narrative:
I Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NJ

Complaint narrative:
I Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

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 2023-03-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
When I closed my XXXX XXXX Bank account # XXXX, my balance was under {$200.00} and my limit was {$300.00}, they have now sold the account to LVNV Funding LLC account # XXXX showing a diffrerent amount of {$880.00} and a different account #, I have tried resolving this account with them and the credit bureaus but no one seems to be able to help me clear up this rip off collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bell Global Solutions LLC
State: GA

Complaint narrative:
Bell Global Solutions Company called to collect an old debt, I signed up to clear this debt because I did not want to be sued. After collecting bank information they were supposed to send paperwork which I never received. They have been taking XXXX a week from my checking account since XXXX up until today XX/XX/2023, the bank put a stop payment on this account. 
Been calling the following numbers to resolve this matter no response : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
During the beginning of XX/XX/XXXX, I received alerts on my credit reports that a total of three ( 3 ) collection agencies had reported debts to my credit reports. The original creditor is listed below. Also, All three accounts were opened in Texas. I have lived in the state of Louisiana for over 20 years. These accounts are fradulent. I am a victim of identity theft. I have filed a dispute with XXXX, XXXX and XXXX. Also, I have filed a dispute with all 3 collection agencies and the original creditors. I filed a police report on XX/XX/XXXX with my local municipality. I am waiting to receive the actual report but I do a case #. I am requesting an investigation and ultimately I would like these collection debts to be removed from my account. 
Thank you. 

Original Creditors : ( 1 ) XXXX XXXX XXXX - {$1200.00} Acct # XXXX ( 2 ) XXXX XXXX - {$930.00} Acct opened : XX/XX/XXXX ( 3 ) XXXX XXXX XXXX - {$1600.00} ( XXXX ) Acct # XXXX Acct opened : XX/XX/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 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion failed to provide a " hit '' on my credit reporting to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX., XXXX XXXX, NJ XXXX. As such, I had an adverse action and not approved for credit/bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX XXXX, IL XXXX and lastly there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
A THIRD PRTYCOMPANY HAS MY LOAN AND I HAVE TO GO THROGUH THEM TO MAKE MY CAR PAYMENTS. 
THEY TOLD ME TO GO THROUGH THE PROCESS IN THIS XXXX  AND MY REFERENCE NUMBER IS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN

Complaint narrative:
I scheduled the XX/XX/2023 mortgage payment on Primary Residential Mortgage Inc 's website. I lost my job on XX/XX/2023. I contacted a housing counselor who told me to apply with Tennessee Housing Assistance Fund for Covid-19 assistance. I then called Primary Residential to request a payment refund due to extreme hardship and they are refusing to refund my payment. I also applied with them for their Covid 19 forbearance and they are stating that they are keeping the XXXX payment and starting the forbearance effective XXXX XXXX and XXXX. This is not helping. I explained this to them and told them that Tennessee Housing Assistance Fund can't process my application until the mortgage is 30 days past due. I am unable to buy food and pay my utilities. I have worked with other lenders who would reverse the payment and they are refusing to do this. My bank told me they could indeed refund the payment. Can you please help me to get the payment refunded?

Company response to consumer: Closed with explanation