vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
End of XX/XX/XXXX, I moved to a new house and discontinued services with XXXX. Returned equipment and paid bill. Few months later I found out I had a derogatory hit on my credit report saying I owed {$450.00} for not returning equipment. I was never notified in writing and found out through credit monitoring. I had mail forwarding for a while, but by the time this noticed received it had ended. I then contacted XXXX  and disputed with collections agency XXXX. It was removed from my account. Then convergent added to my credit report in XX/XX/XXXX with open date of XXXX. No letter or other notification of collections. I fought with them for a few months since I wasnt notified to dispute and finally was removed from my report. Then XX/XX/XXXX, another hit on my report, but now with credence rm. no letter or notice. Spoke to credence multiple times the past week and they said its company policy to send notice to address on file from XXXX. I asked even if its been 6 years and I discontinued service with XXXX for new address, which currently has XXXX  XXXX? Each time they add this collections to my report it always appears to be a new hit and I lose XXXX points on credit. I dont even get a notice its going to happen to try and prevent from being hit. Ive felt with XXXX and 3 different collections agencies and keep getting harrassed. Spoke with supervisor with credence and he didnt listen to anything I was saying and lied about being the only collections agency to request info. Told me they cant help I changed my address and that they couldnt update the incorrect info provided to credit agencies. And said the only way to resolve was to submit payment. Im not paying .1 to them for something I returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CORELOGIC INC
State: WA

Complaint narrative:
A company called Credco did a hard pull on my credit without any authorisation from me. I had absolutely NO knowledge of this check on my credit until and after I had applied for a personal loan from another lender and was informed that a hard pull had been performed on my credit by this company. 

When I called the company seeking an explanation they told me they had no record of me in their system at all. 

When I called XXXX thereafter, they confirmed that indeed Credco had done a hard check on my credit. 

I have absolutely no email nor any other record of having had any dealings with this company online or otherwise. In fact, I had never heard of them until informed of the hard pull on my credit. 

This check is fraudulent and done completely without my knowledge or permission.

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, a consumer, a natural person, and the original consumer of an open-end credit plan, paid off a credit card debt with the last reporting balance on XXXX XXXX from VELOCITY PORTFOLIO GROUP XXXX CKS PRIME INVESTEMENTS Account Number XXXX that is still reporting on my credit report as a collection account. Even though the balance is paid, Ive never given this company consent to report this debt to my consumer report which is a violation of my right pursuant to 15 USC 1692 ( c ) ( b ) and is also a violation of my privacy pursuant to 15 USC 1681a ( XXXX ). Im also not sure how this company received my information because Ive never given it to them, nor did I give anyone permission to give it to them, so this is another violation of my rights pursuant to 15 USC 1681a ( q ) ( XXXX ). Though i did pay this balance off before being ignorant of my rights as a consumer, Ive still never completed any original contact nor have I any agreement with my signature on it with this company.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I was a customer with First Horizon Bank. I had XXXX funds in the amount of {$15000.00} that were deposited into my account XX/XX/XXXX, my account was placed on hold, {$15000.00} of those funds were then withdrawn internally the same day. I was asked to provide tax returns to show my business was mine and I did that. Was told there was no exact time frame on when I would here anything or the hold would be lifted from my account. After hearing nothing for a month, I called the bank only to find out that the remaining {$800.00} of the funds had been transferred from my account as well. I was told that all funds had been returned to the XXXX on XXXXOn XX/XX/XXXX, I received communication from XXXX because I had been working with them to have my funds re-issued to a new account. The agent stated that they had never received the funds and to request a letter from the bank stating that the funds were sent back. Called the bank the same day and they were very rude and then told me that my money had been transferred to their corporate security and never sent back to the XXXX and I would have to wait until the branch manager returns from vacation to get an update, mind you anytime I would call or go up there she was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastpoint Recovery Group, Inc
State: PA

Complaint narrative:
First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX  XXXX. On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX  XXXX XXXX, XXXX, XXXX. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX XXXX I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, XXXXXXXX with me here in XXXX. I only ever lived here and even ran a business etc. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.

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 2021-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.

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 2021-12-28 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: DE

Complaint narrative:
under 15 us code 1618B Permissible purpose of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following and no other ; In accordance with the written instructions of the consumer to whom it relate. I XXXX XXXX did not give Experian any written consent to report to anything on my consumer report. NO CONSENT IS IDENTITY THEFT. PLEASE REMOVE THESE ITEMS 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 2021-12-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello again ; After reporting about XXXX XXXX banks lack of reporting to the credit bureaus of my mortgage payments to CFPB, XXXX got right on XXXX reported back to me three times, on XXXX then, on XXXX and finally on XXXX. Their last letter informed me that in XX/XX/XXXX, I quote, [ as part of an internal process, the credit reporting for my mortgage was deleted with a lock placed to prevent to prevent future reporting due to the prior bankruptcy filing ]. This was new information to me. The prior XXXX XXXX bankruptcy began on XXXX XXXX and ended on XX/XX/XXXX. At which time XXXX notified me, by mail that they, XXXX, I quote, [ have notified the credit agencies to update the reporting by updating the account to show the XXXX bankruptcy status as well as all permissible account information ]. 
Now, just so you understand why I was blaming XXXX. When I called XXXX " s office they sent a letter to me on XX/XX/XXXX stating that they had corrected the information in my file and had notified all four credit agencies. Then on XXXX XXXX I received a letter from the same office, senior V. P., stating that they were unable to process the request that I had submitted due to insufficient information or the current status of my loan. 
Now back to the present, XXXX '' XXXX attempt to update my information was rejected. XXXX further states that the account can not be reinserted for reporting due to the retention date being too old, per their policy and procedures, This even though the other three bureaus are reporting it as of XX/XX/XXXX. 
Ironically this was discovered by me, trying to log into the IRS web site back in XX/XX/XXXX. Which uses Experian to verify your identity. Now after numerous calls and letters, with copies of letters sent to both CFPB and EXPERIAN, with no response to. I have finally figured out that EXPERIAN has been lying and misdirecting me for over XXXXx months! And why is the IRS using such a corrupt agency? Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
This account was already disputed and removed from my report at an earlier date. It was a mistake from the insurance company and the medical provider would not correct or remove the debt. It was sent to a collection agency and they removed the debt. It seems as if it was sold to a different collection agency and put back on. I was never contacted about this once. Nothing in the mail, no phone calls, nothing. And now my credit report has been reduced by XXXX points and Ive worked so hard to get it there. This medical debt is at least XXXX years old and was dealt with years ago. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
please review attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
I had a charge come out the XXXX of XXXX which is a Friday and it was for {$10.00}. I deposited {$10.00} the next day which was Saturday it brought it to a positive balance and there was no overdraft fee on the account for 2 days. And then Monday roles around and here is the overdraft fee after the account has been brought to a positive balance 2 days ago. This bank has apparently changed their overdrafts policies and never notified the customers and are now scamming people outta overdrafts fees. They charge overdrafts 2-3 days later after you bring it to a positive balance then date the overdraft for 3 days before. And they offer no type of refund of the overdraft fee these are deceptive practices that need to be addressed immediately. No wonder theyre closing so many branches now. This needs to be investigated I do recall other banks doing this and they were involved in lawsuits and paid out hundred of millions of dollars for deceptive practices with overdrafts.

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 2021-12-28 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: OR

Complaint narrative:
Purchased {$23.00} item online, month later it never showed up, so I went back to original purchase site and called the number that said it was XXXX. 
I spoke to a female who connected me to another person who was in the fraud department. 
Found out later that was the scammers the whole time he claimed he was reversing the charges. It never happened he was using me to purchase more XXXX XXXX gift cards with my credit card. 
It totalled 8,000+ in charges. 
I finally got thru to the real XXXX and they reversed the {$23.00} dollar charge, they said I need to speak to citi bank for the rest. 
I called citi Bank they did an investigation and determined I was liable, they suggested I call XXXX XXXX for help getting this reversed on there end They have an investigation open for a week now but will not respond to any of my inquiries for an update. 
I've sat on hold multiple times for up to 40 mins only to get hung up on..

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 2021-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected 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 2021-12-28 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: FL

Complaint narrative:
I requested Equifax to remove addresses that did not belong to me over 2 months ago and they still haven't done anything and it's effecting with my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
How did you verify the date last active? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/2018, therefore the date you have reported for date of last payment & date last active in inaccurate. The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my Experian credit report showing proof of the inaccuracies reporting on my credit profile.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
As of today I have talked to Credence Resource Management about and old XXXX XXXX XXXX XXXX XXXX XXXX that I paid to different collections agency as a settlement in full in either XXXX or XXXX. They have managed to place this debt on all three of my credit reports and update said reports every 2 weeks bringing my credit score down at least XXXX points each time for so-called nonpayment. They say I owe XXXX XXXX XXXX {$1100.00}. I have returned all the equipment back to them so that bill should be much lower than that. 

Anyway, they need to do their research and find out when exactly that bill was paid since the last collection agency bought the debt FROM XXXX XXXX XXXX they did not have to tell them when it was paid because it was no longer an XXXX XXXX XXXX it then belonged to THAT collections agency. Since the pandemic XXXX XXXX XXXX XXXX not have updated their systems or maybe there is a glitch in their system as to how many OLD XXXX XXXX XXXX customers who are NO LONGER customers of XXXX XXXX XXXX  owe or do NOT them money ... I am NOT one of them.

Company response to consumer: Closed with non-monetary relief