vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: V and H Portfolio
State: FL

Complaint narrative:
XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: GA

Complaint narrative:
I have a secured credit card with First Progress ( partner with Synovus ). Prior to this month, I had always used bill pay through my bank XXXX XXXX, because when I opened the account they had no way to pay it on their website. I went in to pay my bill ( which is paid in full every month ) on XX/XX/XXXX and saw that it could now be paid on their website which I did. On XX/XX/XXXX the payment of {$330.00} cleared my checking account. ( XX/XX/XXXX FIRST PROGRESS PAYMENT XXXX XXXX XXXX XXXX {$330.00} ). I went out of town on XX/XX/XXXX and attempted to use my card on XX/XX/XXXX since the payment had cleared my bank and showed a payment on my credit card statement. When I opened the account I had deposited {$350.00} to use against the card attempting to establish credit history. When I attempted to use my card it was declined, I went in that evening and saw my balance was " XXXX '' and only a small amount was available ( the diff in {$350.00} and what I had paid off {$330.00} ). I called and was told that when you make a payment on their site they put a 10 day hold on the money even though it had cleared my bank and was sitting in their account for 3 days, They said it would not be available until XX/XX/XXXX. I was never told this practice by them, as when I opened it payment was not available on their website, He said it was in the paperwork- not in the paperwork I got when I opened the account because it wasn't an option. He said if I had used bill pay it would be available. The money came out of my account on XX/XX/XXXX and shows a credit on my account as of XX/XX/XXXX as being paid. I would like to know how legal this is and why they will not release it prior to XX/XX/XXXX. He was very rude and was supposedly a " supervisor ''. I contacted Synovus and she put me thru to this person, I also sent Synovus a message on their XXXX page and they replied stating they would contact me shortly, but 6 hours later I have no call. I do plan to close this account shortly and I do expect my entire {$350.00} be returned to me expeditiously, not 10-14 days later, I hope that you can address this problem and see that no other people go through this with these fly by night companies holding peoples ' money " hostage ''. That is MY money and they are sitting there collecting interest on it and refuse to let me use it, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have made several attempts to all 3 bureaus to provide verifiable proof ( an original consumer contract with my signature on it ) that XXXX XXXX can place this debt on my credit report and they have not. XXXX and XXXX removed this medical debt but Equifax refused. This medical debt illegibly XXXX dollars which is under which is under XXXX that should not be reporting 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent letters I have also disputed the information thru the company and they have not removed them or sent me any written consent to me giving them permission to report these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XXXX XXXX XXXX Our records indicate that the {$3800.00} was denied, since it shows that the transactions were made through a secured online banking session by the customer or someone, they gave authorization to. 


This claim was denied because the company said that I gave authorization to someone to make this payment. However, this is false. I filed a police report on it when this happened and even paid to do a lie detector test showing that I didn't give authorization for it. 

When I called the bank, I was told that all the XXXX accounts that the money was sent to has been XXXX, and I was not tied to any of the emails registered under their XXXX. My personal information was leak leading to someone sending the money from my bank. However, this does not mean that I ever gave anyone permission to do so. Please look into the recipients and do an investigation on their accounts to prove my innocence.

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 2023-01-27 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX # XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: CA

Complaint narrative:
This past summer ( 2022 ), Credit Karma advertised a promotion whereby customers who applied for, and were approved for, a personal loan while logged in to Credit Karma would recieve a {$100.00} credit to their Credit Karma checking account. I applied for and was approved for a personal loan while logged in to my Credit Karma account prior to XX/XX/2022 per their requirements. I inquired with Credit Karma in XXXX, 2022 as to why I did not receive the promised {$100.00} credit to my checking account. Each time I inquired, thy have simply asked for more time to investigate. I've attached the original offer from Credit Karma, as well as the emails I've exchanged with them. The Credit Karma customer service case # is XXXX # XXXX. I believe that if a company makes an offer such as thiis, thy have a responsibility to honor it, or at least provide an explanation of the specific term ( s ) of their offer that they feel I have failed to meet. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
card was issued and used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App Account ( $ XXXX or XXXX ) On XXXX XXXX, XXXX, I received a cash app transaction in the amount of {$750.00} by mistake ( or at least that's what I was told ), from XXXX XXXX ( $ XXXX ), she was supposed to have only sent me {$75.00} to rent stanchions and ropes from me. However, I immediately sent her a refund in the amount of {$670.00} ( see attached screenshot ) which is {$750.00} less the actual payment of {$75.00} for the rental, but she later cancelled the rental so I refunded her {$75.00} back ( see attached screenshot ). In all XXXX XXXX received her full {$750.00} back from me through Cash App transactions. 

On XXXX XXXX, XXXX I received a {$1500.00} from another client for an event. On XXXX XXXX, XXXX I receive an email from cash app ( see attached screenshot ) stating and I quote " XXXX XXXX filed a dispute with their bank for the {$750.00} payment you received on XX/XX/XXXX. This payment will be refunded from your account '' and then yes, the funds were removed from my account. I never had the opportunity to challenge the dispute and show proof that the funds had already been returned to XXXX XXXX via Cash App. 

I reached out to Cash App multiple times and the only thing they told me was if a bank says a transaction is being disputed they send the money back and that I would have to get legal help or reach out to the sender directly. I even spoke with a cash app rep and he says " oh yes I see where the money was refunded '' but then he still says they can not help me they have to refund the funds. I mentioned the sender 's cash app account was closed ( see attached screenshot ), he says if someone files a lot of disputes we will close their account. I said well if that isn't a red flag. I reached out to the sender ( of whom I do NOT know personally ) and she's claiming she haven't received the funds. 

I am a consumer just like she is and just like her funds were " protected '' and she was able to " dispute '' the transaction, I should have been giving the same opportunity. I know that my money is supposed to be protected by FDIC and I do have rights to my money, they should NOT have been able to withdraw funds without confirming said information with me, furthermore they can see that I immediately returned those funds back to sender within a matter of minutes, five minutes to be exact. 

I really hope you all can assist me with getting this matter resolved. Thank you so much for allowing me the opportunity to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Map PersolveLLC dba Account Recovery Services LLC Website Directions Contact us XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Closes XXXX XXXX XXXX XXXX PERSOLVE LLC dba Account Recovery Services alleges that I owe XXXX XXXXXXXX and more from a debt to the now defunct credit card XXXX XXXX ( I had never even heard of the now " dead '' and bankrupt XXXX XXXX XXXX XXXX. PERSOLVE bought their debts in XXXX ( 7 years after that credit card co was dissolved by bankruptcy, and then sued me with a Complaint for Money Damages in XX/XX/XXXX. ( The court case is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, caption entitled PERSOLVE v. Karin Piet, for your information, and the file shows a great disregard for ethical litigation practices, I was NEVER served with a Summons and Complaint, and so did not know of the lawsuit until my XXXX XXXX XXXX XXXX  was levied and closed ( around the year XXXX ). In XX/XX/XXXX ( the same month that my husband died ), I was notified of a second garnishment. At this time, I had just received XXXX XXXX XXXX XXXX  from XXXX, which I can prove. On XXXX ( 14 days after my husband XXXX XXXXXXXX XXXX death, they then STOLE by garnishment nearly XXXX XXXX. They also effectively stole my one-time Social Security Survivor award of {$250.00} ( which, Social Security informed me, was taken by PERSOLVE to offset a existing balance. Needless to say, I am filing a Notice to Vacate Judgment, and secondly, a Cross-Complaint for Monetary Damages, Fraud, Unclean Hands, Trickery, Identity Theft, and Intentional Infliction of Emotional Distress. 

Also, when my Notice to Vacate Judgment in this matter was filed ( effectively ) with XXXX, my friend XXXX took it out for personal service at their address at XXXX XXXX XXXX in XXXX ; they were located in a complete " stealth '' building ( 3 floors, key-card access only, no windows ). However, we waited at the door until XXXX XXXX, lunch time, at which some other workers left the building, We effectively served them and they hated it! XXXX XXXX, CFO, Manager, and Agent for Service, was " hiding in a meeting in the other room '' As far as my Cross-Complaint goes, I am going to ask the XXXX  Sheriff 's Dept. to do the personal service, Also, Case No. XXXX is on the calendar at XXXX XXXX. on XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XXXX presiding. 

Please feel free to contact me or my attorney XXXX XXXX for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TN

Complaint narrative:
In XXXX, I received a XXXX form after settlement of XXXX XXXX XXXX XXXX. A copy of this XXXX form was forwarded to TransUnion informing them that the alleged debt was settled and that the item was now considered income by both the IRS and TransUnion guidelines, and should therefore not be on the credit report. Case law that backs this up is : Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) the court found consistent with other courts opinions : A debt is deemed canceled under the IRS regulations when a creditor stops collection activity after a defined period pursuant to an established business practice. Id. A creditor typically does so in order to take advantage of IRS rules allowing tax deductions for " bad debts ( XXXX ). Such actions by a creditor, in turn, may render it inequitable to allow it to belatedly enforce the alleged debt after it received the tax benefit of the " charge-off. '' and CACH LLC v Fatima, 2011 NY Slip Op 51510 ( Dist Ct Nassau Co. ), citing In re Welsh, 2006 WL 3859233 ( Bankr Ct ED Pa 2006 ), quoting In re Crosby, 261 BR 470, 474 ( Bankr Ct D Kan 2001 ) '' The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' and AmTrust Bank vs Fossett 223 Ariz 43XXXX ( issuance of Form XXXX after debt was written off is " prima facie evidence '' that debt had been discharged by creditor ) and Franklin Credit Mgmt Corp vs Nichol 2001 the court concluded that it would be inequitable for the defendant to incur tax consequences as a result of the form XXXX and to permit the plaintiff to continue to hold him liable for the debt. All of these cases apply in this instance, stating in essence that any debt forgiven via a XXXX is no longer considered collectible debt but rather income that is taxable to the account holder and therefore should not be listed on credit reports.

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 2023-01-27 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: American First Finance, Inc.
State: CA

Complaint narrative:
I file a dispute with XXXX XXXX XXXX and the XXXX reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to XXXX XXXX XXXX. They are reporting past the XXXX  year XXXX and have inaccurate factual/errors and have not removed from credit report as required under the XXXX law and within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-27 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: Experian Information Solutions Inc.
State: GA

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

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-27 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: LEXISNEXIS
State: MN

Complaint narrative:
LexisNexis must submit disputes to the originating consumer reporting agency and forward the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies complete their??? 

Could you provide me a description of your procedures as to how do you respond back to XXXX XXXX And or XXXX dispute process compliance under FCRA XXXX A ( XXXX ) it is my legal right and you must provide me of your company compliance and FCRA guidelines within 15 days please and I think you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX Onemain XXXX XXXX Onemain XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi card did not refund me the negative balance of my card. Originally they said refunds will take 3-5 business days, that did not happen, and then after taking with customer support after a week and no refund showing up, customer support refused to provide explanation and said keep waiting, with no timeline given.

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 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, these companies 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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