vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a Capital one credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. Capital one however, is still reporting this account as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor, but a recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXXXXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history or at least updated to show a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: WI

Complaint narrative:
I have been making regular payments with the original client since the debt was turned over. The company continues to call me daily over a very small debt that has regular payments being made. 

I spoke with someone and said I was making payments but the calls persisted. I had to call and speak to a supervisor and explain the situation. I have since received phone calls attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Experian credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. Also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$11000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX Collection

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated 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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX XXXX, XXXX XXXX President On XX/XX/22 I, XXXX XXXX a consumer received a letter from XXXX BANK stating that they sold or has been used or transferred my personal information or shared my financial information with another corporation or entity without my written consent or authority. Pursuant to 15 USC 1681g ( XXXX ). I am a victim of Identity Theft caused by XXXX BANK Racketeering activities and unfair business practices and may be liable under Title XXXX crimes and criminal procedure. Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress made it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Congress also made it clear pursuant to 15 USC 1681 ( a ) ( XXXX ) that consumer reporting agencies ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You ( EQUIFAX ) allowing XXXX BANK to furnish inaccurate, unverified accounts along with selling or transferring my personal identification or financial information makes me the consumer, a high-risk Victim for Identity Theft. XXXX BANK actions have caused me to lose confidence in the banking system as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to do business with me, I am demanding that ALL XXXX accounts be removed or deleted from my consumer file and consumer report IMMEDIATELY or be subject to Civil and Criminal actions pursuant to Federal Laws. 
See EXHIBIT A, EXHIBIT B and EXHIBIT C for violations pursuant to Federal Law 15 USC 1681g ( XXXX ). 
Regards, XXXX XXXX Copy to : Federal Deposit Insurance Corporation ( FDIC.GOV Consumer Complaint Department XXXX Federal Trade Commission ( FTC.GOV Consumer Complaint Department )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
Cottonwood Financial DBA The Cash Store XXXX denied loans and attempted to collect on a debt that was discharged in a XXXX XXXX Bankruptcy. 
XXXX XXXX Collection attempts were made post discharge on a related third party. 
The third party was denied a loan based on the Bankruptcy discharge of a related family member, the collection attempt was made at the store and by phone. 

Collection attempt was made at the store in XXXX XXXX, WI when a new application was submitted. 

Bankruptcy is a civil right which Cottonwood Financial/The Cash Store chooses to disregard.

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
The company has repeatedly called me and has called me in the past with incorrect information. 

Most recently they have started calling at around XXXXXXXX XXXX and XXXXXXXX XXXX, and now finally at XXXXXXXX XXXX when they were previously calling mid-afternoon to early-evening. 
The late calls are very inconvenient as blocking the number does not prevent them from calling me, they just call on a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX, I called US Bank to ensure that they did not take an automatic payment for {$320.00} because my lease had been terminated on XX/XX/XXXX and paid off. The representative told me that because I did not call XXXX business days in advance of when the payment would be taken out ( i.e., XX/XX/XXXX ) that there was a chance the automatic withdrawal would go through. She stated that she placed a " stop payment '' on my account. The payment for {$320.00} was subsequently withdrawn from my account on XX/XX/XXXX. 

I called to follow up with US Bank on or around XX/XX/XXXX to inform that they had taken the money from my account by mistake. They stated that they issued a check to my previous address on XX/XX/XXXX for the full amount ( i.e., {$320.00} ) and that it would take 7 to 10 business days to arrive to my home. I requested that they place a " stop payment '' on the check and reissue a new one to my correct address. They said that it would take 2 to 3 business days to reissue and send. It is now XX/XX/XXXX and I have not received a check. 

Today, US Bank again took a payment for a lease I no longer have for {$320.00} despite my calling them twice to confirm that the stop payment was effective. This caused the account to overdraft by {$20.00}.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
I was struggling financially and was late on a couple payments in the beginning about a year ago and Flagstar Bank put me on forbearance. I was allegedly approved for loan re set and was told I would be mailed the documents and I needed to have it notarized and signed and sent back within 13 days. For months I calls once and twice a week and always got the run around on why I haven't received the documents. I was told not to make any payments until I signed the loan re set document. On XX/XX/XXXX I received a email saying I needed to sign the documents that were mailed to me for loan re set. I never had documents mailed to me. I get a email XXXX XX/XX/2022 with the documents attached of which now I can not find. Wednesday XX/XX/XXXX I call flagstar yet again and am told that that option is no longer on the table because I never returned the documents. They never sent me the documents. My home is all I have and they have swindled me into forclosure

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My XXXX  credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
, I was told to contact office for help referred by XXXX XXXX XXXX : regarding problem Im having with BANK OF AMERICA XXXX XXXX XXXX XXXX DEPARTMENT that over sees XXXX PAYMENTS. Last year my XXXX funds were stolen from my account, I have since filed claim with Bank of America they are refusing to refund my Money that was stolen, then I am being held responsible for to file on my taxes as if I received but Bank of America never pay me my money XXXX have sent them for me, they have allowed my account to be frauded and refuse to make things right, which leave me no choice but to seek outside help. My information XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XX/XX/1996. Bank of America XXXX XXXX XXXX - Claim Number # XXXX. They have stolen all of my XXXX benefits leaving me waiting for months with no bell and have exhausted my resources.

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Getting repeated calls for like 3 months now looking for someone I don't even know. I've told these people this many times over that I don't know who they're calling for and to not call my number again. The calls keep coming non stop I can tell they're robocalls also because of a long pause when I answer the telephone and a person with a robotic foreign sounding voice. Also I get no caller ID calls all days and night with people looking for this person I don't know that owes a debt. Last month alone i had XXXX calls from No Caller ID looking for so and so that owes a debt I say stop calling me & 30 minutes later someone else is calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello. 

For context I bank with Chase and my car loan is through XXXX XXXX XXXX. 


Back on XX/XX/XXXX of last year I had a car loan payment for {$540.00} charged to my account. That payment was never received by XXXX XXXX XXXX so it was considered as a missed payment. However, the that payment wasn't immediately returned to my account. It was stuck in limbo somewhere in the middle. I have since payed that so I'm up to date with XXXX XXXX late XXXX XXXX I was talking to multiple companies trying to get this figured out and eventually, after an exhausting process and weeks of waiting, it was resolved and the money was put back into my account Chase alerted my recently that they've completed their research into the claim and they deemed it as valid and yesterday the {$540.00} was taken back out of my account. So once again I'm down that amount without having credit for it as a loan payment. I do not understand how they deemed it valid if reality is the payment was never received by the intended recipient therfore how could it possibly be valid? 

I feel like they've just robbed me and walked away like nothing happened. It's completely ridiculous and confusing. I can't accept losing this much money because the incompetence of the Chase claim process. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, which is Subserviced by LoanCare, entered my mortgage into forbearance in early XXXX due to hardships that we were experiencing due to the COVID pandemic. I requested to come out of the forbearance ( terminate forbearance ) over 6 months ago ( XX/XX/XXXX ). We paid 3 months of trial payments and was supposed to be given loan modification documents to sign and get notarized. Since then, LoanCare has purposefully delayed the processing of my loan modification documents. In XX/XX/XXXX, they finally sent the loan modification documents to me at the correct address, but my wifes name was incorrect on the loan modification documents, so we could not process ( notarize ) those documents ( they erroneously used her maiden name ). Since XX/XX/XXXX, we are still waiting for LoanCare to re-send the corrected loan modification documents back to us ( with correct names on documents ). We have spoken with at least 15 different Customer Service representatives on 15 different occasions. All promise to have the corrected documents expedited to us so we can finalize the loan modification and get our mortgage out of a forbearance status. Until this day ( XXXX XX/XX/XXXX ), we are still waiting for LoanCare to send us the correct documents ( its been almost 3 months since the incorrect documents arrived ). Because we have not received the corrected set of documents, we are unable to proceed with finalizing the loan to bring our mortgage loan current. The delays have caused undue hardship and financial damage to our family. We have to relocate to another state and our home still being in a forbearance status is impeding our ability to purchase a new home. In addition, the forbearance remaining in our credit reports is costing us additional money due to increased interest rates on our lines of credit. 

We need LoanCare to overnight mail the corrected set of documents to us so we can sign them and get them notarized ASAP. We asked them to email the documents and we would even print them ourselves, but they refused to email the documents as well. Taking over 6 months to get us out of our forbearance is excessive and giving the appearance of intentional fraudulent activity. Each day that our mortgage remains in a forbearance status, is another day my family is hurt by this company and its excessive delays in processing our loan modification documents.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
My problem is accessibility to my account. 
I am XXXX years old and have been a customer of TD Bank on XXXX XXXX. in XXXX, XXXX  for about 30 years with no problems, but several years ago the bank introduced a new security system and I could not name all 9 addresses where I had lived. I became " Persona non-grata '' ( Suspicious person ) and was blocked from my online account to which my pension came every month. I tried to straighten the situation, but in vain. So I stopped using my online account and used only my debit card to get my pension at ATMs. But recently my debit card was stolen or lost and I can not now get my pension. I tried many times to speak to the Customer services but can not get through them anywhere. 
I lived in XXXX for many years, but then I moved to XXXX to live with my son, at first in XXXX and then in XXXX. My address now is XXXX XXXX XXXX XXXX,. XXXX, XXXX XXXX. I use my son 's Cellphone to call, to receive calls and for verification purposes. I informed TD Bank that I have moved and that my telephone number is XXXX, but when I called the Debit card service, they said that they were forbidden to use that number. Why? Who has the right to block my telephone number, my online account, my access to my pension? I wanted to establish a TD Voice Print, but was not allowed to do it. I am in a vicious circle.. I can not get anywhere with the TD Bank Customer Services. Please, help me. 

Thank you in advance for your help. I hope you will be able to assist me in my desperate situation. 
With best wishes of success in your noble work. 
XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief