vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
On XX/XX/ I sent to credenence resource management a request for a debt validation pursuant to 15 USC 169g to them by certified mail. 
I went to check the status of the delivery and it said that the address was unknown and the letter would be returned back to me. So I checked the address again on my credit report and that was the right Address they had listed on my credit report. This company is reporting this on my credit report and the companys address to contact them is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
on XX/XX/XXXX I filed a dispute with cash app for unrecognized charge of {$52.00} a purchase from XXXX XXXX XXXX cash app gave me a provisional credit of {$52.00}. on XX/XX/XXXX cash app reversed the provisional credit without any prior notice therefore making my account negative. ( Section 205.11 ( d ) ( 2 ) ) " Upon debiting a provisionally credited amount, the financial institution shall notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. The financial institution need honor only items that it would have paid if the provisionally credited funds had not been debited '' cash app is not in compliance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I have currently been paying on my mortgage since XXXX XXXX XXXX. I have not missed any payments and have paid additional principal amounts. My loan is now being transferred from XXXX XXXX and the new mortgage company, Mr. Cooper is saying my mortgage payment is due XX/XX/XXXX as of XX/XX/XXXX. This amount is incorrect and I see where XXXX XXXX has not credited some of my payments on their account activity made fro XX/XX/XXXX to XXXX XXXX. This is very concerning that a mortgage company can ignore payments that have been made and how often does this kind of thing happen to people because of crooked mortgage companies. This is utterly disgusting. I would like someone to investigate this matter further. I have currently reached out to Mr. Cooper and I will be mailing something out to XXXX XXXX since they only have dispute information via Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
According to the ( FDCPA ) this 3 party collections company is breaking laws I told them to stop contacting me and they still contacted me through email because they could not validate the account correctly they do not have any contract with me and they also stated that they do not own the account!!! I contacted the original company which is summit park apartments they stated that the account was written off as a cancel of debt. So technically this 3rd party collect company is trying to collect on a debt thats been canceled. They against the ( FDCPA ) laws also The ( IRS ) laws there was a 1099-c form filed own the debt for a tax break for summit park apartments. The 3rd party company do not have any real documentation for holding this account on my consumer report they must delete this account at once the original credit also stated that they do not own the account as well so it must be deleted this account is satisfied as cancellation of debt.Which the ( IRS ) identify as Earned income so National credit systems has lots of cases where they breaking law of the ( FDCPA ) ( FTC ) as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Malacko Law Office
State: IA

Complaint narrative:
I received a letter about a debt of {$77.00} for a radiology consultant. This came from a Minnesota law office called Malacko Law Office. I live in Iowa and it claims I had x rays XXXX XXXX. This is not accurate as the health organization I use sends me updates and payments through and app. The last x rays I had were XX/XX/XXXX XXXX XXXX. Then the insurance company from the man that hit me on XX/XX/XXXX accepted responsibility for all my medical bills after the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I sent my first dispute letter dated XX/XX/2022 Trans Union, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from XXXX XXXX XXXX dated XX/XX/2022 stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my XXXX account and read that XXXX XXXX XXXX has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. To sum it all up XXXX XXXX XXXX fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time XXXX XXXX XXXX sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. Trans Union, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : Trans Union, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.

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 2023-05-22 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: AZ

Complaint narrative:
I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX XXXX, Ca 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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to set up my PIN for my Business Debit card and the customer service department keeps giving the run around on who should help me. They gave me 4 different phone # to setup PIN ( XXXX, XXXX, XXXX, and XXXX ). Every time I called each number and i would put the correct info in then it would say it is wrong and send me to customer service. At the end of the day after trying multiple times the last customer service lady told me when I asked to speak to her manager she said it will take 20min before I can speak to a manager. After giving her an opportunity to help me she pretended to not hear me and hung up the phone. VERY BAD CUSTOMER SERVICE!!! They can't do a simple thing like trying to get my PIN setup. I don't want to do business with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
I have sent several disputes to Equifax about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can Equifax verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never authorized these inquiries : XXXX XXXX  XX/XX/XXXX ( Transunion ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XX/XX/XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To TRANS UNION!! : This Is my FINAL warning to them, they must think this is a game, they unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. Ive sent letters for months! And nothing has been removed and when I called one of their agents told me that all of my letters have been denied because they thought that the letters are not from me. THEY ARE ALL FROM ME. TRANS UNION! them along with the other Accounts listed below have defrauded me for the LAST time 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires AND Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX My identity has been stolen they are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

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 2023-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

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 Some stole my identity n I didnt know until I checked XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I send my dispute letters out on XX/XX/2023. It has been well past 30 days now. I asked all three credit bureaus to show proof that the notification of the dispute letter was received and forwarded to the furnisher within 5 days, I ask for evidence of the reasonable procedures that they used to come to such a conclusion that this information was verified. I ask them to show me proof of who they spoke to, when did you talk to them, and to give me the names of the person, what telephone number did they call, and what addresses did they contact. I asked them to provide me with documentary evidence and any other valid information they received during the dispute process. I haven't been provided with the evidence. And I asked that all accounts that were provided in my dispute letter be deleted. And all three credit bureaus ignored my letter. I told them according to 15 U.S.C 1681 section 602 ( a ) the credit bureaus must complete a reinvestigation within 30 days of receipt of the letter.

15 U.S.C. 1681 states that the banking system is dependent upon fair and accurate credit reporting.

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

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a purchase from XXXX using Affirm for {$5000.00}, with a monthly payment of {$410.00} in XXXX of XXXX. 

Around XXXX I logged into the account with the intention of paying it off in full. However, when I logged in I noticed a credit card and purchase associated with my account/phone number that was not mine. I contact Affirm and filed a fraud/dispute claim. I was told that I would be contacted in 5-7 business days. I was never contacted. But they continue to withdraw {$410.00} from my account every month. 

In the months since I have repeatedly tried to log into my account both through the phone app and online. After numerous ( successful ) two-factor authentications, I am notified that I am locked out of my account. I call Affirm, and each time, after a very long hold time, being disconnected at least once, and going through it all again, I reach a person that will " notate my account '' and I am told that I will be contacted in 5-7 business days. I just got off the phone with them again. XX/XX/XXXX. It is still not resolved, I still can not log into my account. The fraud/disputed purchases are still associated with my account... nine months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN ALLIANCE BANCORPORATION
State: DC

Complaint narrative:
I was contacted via e-mail on XXXX XXXX notifying me of a late payment on my mortgage, which Western Alliance Bank assumed the servicing of a month prior ( in XXXX for XXXX payment ). I contacted them by telephone the same day ( XXXX XXXX ) and requested a statement, as I had not received XXXX in the mail. They treated me as if not having received a statement in the mail was absurd, even though I confirmed my mailing address was correct. On the XXXX I received the statement, but it was a photocopy and did not include a payment slip or clear directions on where I was to mail my payment. I guessed at where to direct my payment and sent it off immediately. On XXXX XXXX, I received another late payment e-mail. Today, XXXX XXXX, I received a notice from a " noreply '' e-mail that Western Alliance Bank was trying to contact me regarding my mortgage, although I have received no other phone calls nor communications from them. I replied, but being a " noreply '' e-mail, I am not sure that they will receive my response. I have not received a statement in the mail for XXXX, so I believe Western Alliance Bank is at best incompetent in servicing a mortgage or at worst is operating with shady business practices for some as yet unidentifiable reason. I have had a stellar payment record with my previous loan servicers ( most recently The XXXX XXXX, a division of Western Alliance Bank ). If my loan weren't sold every year, I would consider signing up for automatic payment.

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 2023-05-22 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: IA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

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

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 wich antedates the report by more than seven years.

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