vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I received a letter from a debt collection agency, Credence Resource Management , LLC. Upon receipt of this letter, I contacted the company via email to verify the debt this was in regards to. I received a response that stated the creditor reviewed my concerns and the debt was valid. I responded again via email requesting for an outline of the charges to be reviewed. The attachment I was sent was for a customer that lives in a different state but has the same name as I do. I responded to inform the debt collector that there appears to be a mix up as I was sent the wrong consumers account. I am highly concerned after receiving another individuals full account statement and I offered to verify any identifying information necessary to the debt collection company to get this sorted out but the only response I received appears to have been auto generated and very generic not addressing the true issue at hand. I hope that the other consumer did not receive my personal information due to this mix up but Im honestly not sure how I could verify if that occurred or not. I appreciate any help provided to get this sorted out and hopefully prevent this from occurring to other consumers going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: MO

Complaint narrative:
On XX/XX/2020 Money Lion INC did in writing acknowledge its behavior in XXXX Complaint # XXXX involving Money Lion INC for unauthorized transactions debit from checking acct ending XXXX. All 3 credit bureaus were notified of cease reporting of Money Lion Inc on my report while in litigation. Remove and delete MoneyLion inc from my credit report. On XX/XX/2020 legal representatives sent certified mail correspondence awaiting reply from Money Lion who as of today still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 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: VA

Complaint narrative:
I disputed that the date was wrong on my bankruptcy were wrong with Experian and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

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 2021-01-25 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: VA

Complaint narrative:
I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

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 2021-01-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX, I withdrew {$400.00} from the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I withdrew the money from my XXXX card to cover a debit from XXXX XXXX to my Chase Checking account ending in XXXX. 

I deposited the cash into my checking account and while the transaction was processing the prompt told me to " remove my card ''. 

Once I removed my debit card from the ATM machine, an error notice appeared and said my " transaction was canceled due to removal of the atm card '' ... but it NEVER returned the money. 

I was only able to successfully process the check for {$71.00} issued from SELF, but the cash deposit WASNT RETURNED and my account is currently in the negative. 

I tried contacting customer service for Chase Bank but I am outside of business hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: FL

Complaint narrative:
I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account. 
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault. 
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Please help and thank you, my name is : XXXX XXXX & I am XXXX years old XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX VIN # XXXX MILEAGE XXXX XXXX CASE # XXXX Account # XXXX This is my XXXX new XXXX lease in last 5 years from same dealership at XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX, the car is still under manufacture 3 years or 36,000 miles bumper to bumper warranty. car shut off while driving and will not start on XX/XX/XXXX & as of today 's date is XX/XX/XXXX is sitting at the above dealership where I leased from, to make a long story short, over 3 months I am paying both my lease & full coverage car insurance every month but I don't have a car to drive. the car & warranty is own by XXXX & all maintenance is up to date. but they will not check the car unless I pay 4 hours diagnostic fee, XXXX lease said I need to keep paying my lease or they will send me bad credit & collection agency however they said keep talking to XXXX warranty. I am stuck PLEASE HELP - I can not fight big company like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is still charging me for a product that was not as advertised. I signed up to the website opricot.com which is a site that organizes options data. I was misled on the site thinking the information would be real time or updated often. Which is not the case here because the data randomly updates every few hours which makes it almost useless to trade with. I decided to keep trying it out to see maybe if they would update the information faster or if it was still usable but then I was unable to log into my account. I tired everything. I contact the site through the messaging system and checked for any updates. There is no contact information or phone number which should have been a red flag but I though that capital one would protect me. I filed the first dispute and received my {$45.00} credit but was reversed after XX/XX/XXXX claimed I was still logging in and left my account active. I was attempting to log in to remove my credit card details but the only way to do that is if you cancel your renewal at the end of the month. If you cancel the auto renewal you must close out the whole account. So you are forced to leave in your credit card details and keep auto renew enabled unless you permanently close your account which I did not want to do so I could collect evidence for my dispute. The site seems very suspicious and I have opened a ftc complain which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I started to receive emails from Bank of America stating that I need to fund my new checking account. Im a former Bank of America employee, I left about 12 years ago and outside of a credit card I closed out my entire relationship. My ONLY communication with them since then has been the occasional balance transfer. However, there appears to be a checking account that was opened by them and in the fine print it says if I dont fund the account Ill incur fees. 

I work as a XXXX XXXX XXXX two blocks from the local Bank of America so I attempted to resolve this in a civil manner by reaching out to schedule a phone appointment but they never contacted 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 monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I submitted a Carrington Mortgage Assistance Application. On XX/XX/XXXX, Carrington Mortgage Services ( hereafter CMS ) sent me a letter indicating the application was COMPLETE. On XX/XX/XXXX, CMS asked for additional documentation via letter ( specifically 3 documents ). On XX/XX/XXXX, I supplied that documentation via email. On XX/XX/XXXX, CMS notified me via letter the application was INCOMPLETE ( although did not indicate what was lacking ). On XX/XX/XXXX, CMS cancelled the application via letter stating, Carrington did not receive all documents to complete loss mitigation review. You were sent a notification ( s ) outlining the specific timeframe you were required to send them to us. On XX/XX/XXXX, having sent all documentation requested by CMS, I asked via email for clarification on what documents were missing in order to complete the application. I also attached a copy of FHAs announcement of third foreclosure moratorium. I received no response to my inquiry. 

During this time period, I received Notice of Intent to Foreclose letters monthly, although I continued to pay my Principal and Interest timely. I did not pay the additional amounts listed on my Monthly Mortgage Statement because I disputed the escrow calculations and outstanding amount claimed when Carrington Mortgage inherited/took over my loan servicing. I believe I was only late on one Principal and Interest payment in XX/XX/XXXX. CMS accepted my Principal and Interest payments throughout XXXX. Though, reporting my account as late to the credit bureau. On XX/XX/XXXX, CMS sent me a letter returning my XX/XX/XXXX Principal and Interest check # XXXX, stating I must pay Total Amount Due and the funds must be CERTIFIED FUNDS ONLY. On XX/XX/XXXX, I sent my XXXX Principal and Interest payment to CMS. 

CMS insists I contact their office to make next payment arrangements. I dont want to be threatened, given ultimatums, or argue with customer service agents that have NO Property Interest in my home. CMS representatives WILL NOT HELP homeowners. Any interaction with CMS should be conducted in writing providing both parties documentation. Here, I assert my Mortgage Assistance Application was COMPLETE as of XX/XX/XXXX. The irrelevant and duplicative yet provided information CMS requested after-the-fact was not needed to process my application but instead required for purposes to stall/deny my timely request. ( I have the documents but I'm sure CMS has the same documentation. If CFPB needs any aforementioned documents please let me know )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Several years ago I got a notice from XXXX that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a XXXX account. I did report this by phone to XXXX but I never got an acknowlegment. But bills stopped. Recently got notice from Jefferson Capital that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I'm currently in the process of buying a house and unknown collection account showed up on my credit report and dropped my score drastically I've never heard from this company I've never gotten any emails phone calls or any letters from them stating that I owed the date, it was placed on my credit without any notification about it, the company is paramount recovery systems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Several years ago I got a notice from Paypal that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a paypal account. I did report this by phone to paypal but I never got an acknowlegment. But bills stopped. Recently got notice from XXXX XXXX that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: PA

Complaint narrative:
I entered my information for utility account freeze to protect my credit. However, after I entered the information online I did not receive a 10-digit pin that is required to unlock/change options and it just went ahead and froze my information. 

The company does not have an answering phone and there is no email address to get help. I followed their instructions, reluctantly because it required sending my personal information ( name, address, dob, ss #, and 2 identifying documents - electric bill and pay stub ). I sent this information on XX/XX/XXXX via US mail to : Exchange Service Center XXXX XXXX XXXX XXXX, GA XXXX I requested a 10-digit pin as well as requesting they unfreeze my information if they were able to do so. 

As of today, XX/XX/XXXX, I have not received a pin, have no idea if they received the information I sent, or if it is being processed. It has now been more than 2 months since I mailed my personal information. Because there isn't an answering phone number or email I am unable to follow-up to determine if they received it and the status. I just want my pin to cancel my relationship with NCTUE and unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. TransUnion has received 90+ requests for these XXXX records in the past 188 days. Upon phoning XXXX XX/XX/21 TransUnion 's agent XXXX  employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these XXXX records XXXX verified existed.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC Systems is reporting on my credit report. I have never received any notification from them, nor an opportunity to validate the alleged debt. 

Furthermore, I never gave them my social security number or name so Im not sure where/how they got this information. 

They are holding up my home buying process illegally by attempting to extort money from people without providing any 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