vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my ID and credit card in XX/XX/2023. In XXXX, I have received notice about a number of attempts to open accounts in my name. XXXX XXXX and XXXX XXXX contacted me and I confirmed it was a fraudulent attempt. Capital One shows on my XXXX XXXX account and I did not request this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I cant get my bank to report my morgage to XXXX and Transunion. XXXX XXXX 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I cant get my bank to report my morgage to Experian and XXXX XXXX XXXX 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 2023-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Called Aidvantage regarding wrong information on my account. Showing a school that I never took out a student loan and under the XXXX program but my loans are showing different forgiveness dates when I took out XXXX at the same time. Spoke to XXXX representatives and was given different information. XXXX representative claims I took out a student loan in 2005 and was emailing me a copy of promissory letter which I have not received. 2nd representative claims didnt see a loan in 2005. Both representatives claim even though school showing a student loan was not taken out, it would still this. My student loans were taken out in XXXX in XXXX, NY and XXXX the are showing is in XXXX NC XXXX Amount on loans are inconsistent and both show a consolidation but only had XXXX loans. Would not let me speak to someone else above to get clarification. The loans were for XXXX and XXXX in XXXX NY for a total of {$10000.00}. Original loan taken out through XXXX XXXX Bank. Not sure if they still exist at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I purchased a home in XXXX XXXX in XX/XX/XXXX. My loan has been " sold '' several times. My current Lender, Fay Servicing, has had my account since XX/XX/XXXX. I asked for a payoff statement. They can not provide this to me. Fay Servicing said the only account information/payment history they have starts with the day they began to service my loan. They claim to not have any information from any previous lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, USA, to deposit a refund check received from XXXX XXXX XXXX XXXX. The details of the check are as follows : Check # : XXXX Check date : XX/XX/XXXX Check amount : {$2200.00} The screen suddenly went black after inserting my card and the check into the machine. Since the branch was closed then, I promptly contacted Dollar Bank to report the incident. They assured me a new card would be issued and provided a provisional credit for the deposited amount. 

There was a witness to this incident in the car with me. We are willing to make affidavits regarding the incident. 

The following day, I contacted the branch and was informed they still needed to retrieve the checks from their ATM. Unfortunately, they did not disclose whether this issue was specific to the ATM, stating that the back office/third party handles ATM matters. 

However, this weekend, around XX/XX/XXXX, I discovered that my account balance had plummeted to approximately - {$840.00}. Concerned, I contacted the bank on Monday, XX/XX/XXXX, seeking clarification. XXXX from the bank advised me to place a stop payment on the check and informed me that I am now responsible for any account-related matters since the check was not retrieved from the ATM. 

Throughout my association with this bank, I have never encountered any issues with my deposits. In light of this situation, it would have been appropriate for the bank to notify me promptly if there were any problems with the ATM, such as the check being damaged or stuck inside the machine. 

Regrettably, the resolution process may take XXXX to XXXX days for XXXX XXXX XXXX XXXX to issue another check. Meanwhile, I incur bounced check fees, and my debits and withdrawals face difficulties. 

I request your assistance in investigating this matter to ascertain the cause of the incident and to ensure a fair resolution. Your prompt attention to this issue would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am paid off my credit card with comerica and contacted them to close the account. A couple weeks later I called to confirm if the account was closed because it didnt appear to be on their app. She advised that the account was in the process of closing, and I inquired how long is the process. She advised it could take up to a year. I dont understand why it would take so long to close a credit card out that is in good standing and has not had any additional transactions on it.

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Previously disputed account through CFPB reference # XXXX and CFPB reference # XXXX different occasions regarding same account and results came back with exactly same answer. Account is inaccurate and has not been verified with my signature on it. I do not recall having account open and account continues reporting on credit report. Account still reporting open b y XXXX while in collection by XXXX date closed is missing by both bureaus and date last verified is missing by XXXX. Stating dispute resolve! Results on CFPB states account shows no record of being disputed. This is false account has been disputed. Enough time has been given and still reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: AL

Complaint narrative:
U.S. Department of Education has been furnishing personal transactions to consumer agencies since XXXX. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken. 
This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974. 

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.

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 2023-07-26 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.

This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: AL

Complaint narrative:
U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.

This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I noticed a collection on my credit report for a debt that is not mine show up on my XXXX, XXXX, and XXXX credit report. I disputed the debt right away as the original creditor is not someone that I signed an agreement to extend credit with. I was notified that the debt was validated and remains. I submitted another dispute with the request from all three and to no avail, the debt was again validated. 

I do not owe this company, I have received no information of a debt from this company and the requested proof of debt has yet to be provided. I have another collection that the company has also failed to do and all three credit reporting agencies have failed to provide any proof of validity to the debts. I have contacted the companies and both still fail to validate the debt and are demanding payments that I do not owe. They have yet to provide any legal proof that I owe these debts. 

XXXX XXXX in the amount of over {$7800.00} and they are charging more than 80 % interest on a debt that was paid. The original company has been out of business for over 4 years. The debt was paid in full in 2016. 

Leafy Financial , LLC in the amount of over {$5400.00} for " XXXX '' XXXX. I financed through XXXX and that was paid in full with a XXXX balance. XXXX XXXX has not returned my call nor contacted me back via email to discuss this account. This is not a valid debt and that debt is not owed to this furniture store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2023, I began receiving a series of notices via email from Experian. The messages said " you no longer have a credit score, '' then a few days later would be followed by messages saying, " you now have a credit score. '' I am currently applying for a mortgage loan and my lender is unable to get my credit score from Experian. I have called Experian and opened disputes, and the XXXX time I was able to get an Experian representative on the phone she informed me that Experian had my legal first name wrong in their system. My legal name is " XXXX. '' Experian, entirely on their own, has put my name in the system as " XXXX. '' The representative confirmed that Experian has copies of my legal name change documents that I provided in their files, and she said she would have the issue corrected within XXXX business days. This was XX/XX/2023. As of today, XX/XX/2023 I am still unable to access a credit score via Experian. Their website says I do not have a credit score still. My lender needs this information, and I have over 20 years of credit history. Experian 's arbitrary error in my legal name is stopping me from buying a home. I have tried written and phone resolutions, to no avail. I appreciate any and all help from the CFPB with this matter.

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 2023-07-26 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my phone and my wallet stolen just last week. I filed a police report and a claim with chase to get the issue resolved. Chase denied my claim even after Ive provided evidence ( such as a police report and the fact my phone number has been halted as well ) that my phone and wallet were stolen given those thieves sensitive information and personal access to my data. Chase is the only one that refuses to send back the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo froze my account and refuses to explain why it has been frozen and is demanding I send them identification and risk identity theft. They refuse to allow me to close my account even though I no longer wish to use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I submitted a previous complaint recently regarding a debt collection placed which was erroneously upon my credit report. I noticed it on my XXXX XXXX app. It was from CCS Collections for {$86.00} for a bill from XXXX. CCS replied to my complaint and stated they would investigate it. In their reply, they said they mailed me letters. I told them I never had XXXX, did not owe XXXX, and that I have a common name and that this has happened before. They then sent me a letter to my home wanting payment. The accompanying documentation they sent me was for a XXXX XXXX who lived on XXXX XXXX in XXXX. I've never lived in XXXX. So, on XX/XX/23 I called CCS and they asked if the last XXXX of my SSN was XXXX. It's not. They then asked me if my birthday was such and such and that wasn't my birthday. I've attached a screenshot of my XXXX XXXX app showing the debt collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation