vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Spring Oaks Capital , LLC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank never reached out to me to let me know I owed a balance. You enticed me to open an account and put my direct deposit in there. You then took my money to pay a charge off that you never told me about. My wife is XXXX and was laid off due to the pandemic. The money you took is money we use for food and bills which I am now past due on. You guys didnt tell me I owed money - invited me to open an account and put my direct deposit there- and proceeded to take my paycheck and I was unable to feed my XXXX wife or XXXX. And when I submitted a claim last time the citizens bank rep called me once, never returned my multiple phone calls, and never even helped me get a payment plan so now they took even more money. You guys are crooks. I will make sure to file surveys and complaints for the rest of my life so people now how unfair, deceptive, and abusive you people are to XXXX families who have been affected by covid. You should be ashamed of yourselves. Also every single representative I talked to from customer service to charge off/collections is very very rude. You guys are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: UT

Complaint narrative:
I ran my credit report as of XX/XX/22 and this is what I found that still fails to be corrected. Now it's time to delete them per FCRA laws since the bureau fails miserably at understanding clearly written disputes : 1. XXXX XXXX XXXX installment loan is paid off. They confused this with the credit card account I disputed as paid and closed. Now this one is paid off and closed. 

2. XXXX- this item continues to appear as if I disputed it. The loans are in forebearance, I sent the proof of this to them to update the account, they still haven't but have labeled it " disputed '' which I never did any such thing. I'm demanding they remove that negative verbiage they made up or delete the entire account from my credit permanently per FCRA laws! 

3. XXXX # XXXX - Per FCRA laws the account can not show as " charged off '' and " settled '' at the same time. It lowers my score and makes creditors think that I paid a very small portion of the charged off amount which is not valid. This is the last time I intend to request the " charge off '' and reflected amount be removed. It doesn't show on any other accounts I settled therefore shouldn't on this one. If you can not correct it to reflect ONLY " settled .... '' then I'm demanding the entire account be deleted! This is the 4th or 5th time I've disputed this item. 

4. XXXX XXXX XXXXXXXX inquiry to be removed and is outdated this month 5. XXXX XXXX inquiry to be removed and is outdated this month 6. Misspelling of my name needs to be removed 7. outdated addresses previously disputed are still reflecting on their report that they sent to me on XXXX. Demanding once again that they be permanently deleted from all records per the FCRA laws!

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 2022-03-31 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have a hard inquiry on my XXXX  credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from SANTANDER CONSUMER USA. 

In accordance with the fair credit reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent Wakefield and Associates a letter asking them to validate the debt I supposedly owe them. I asked for original documents bearing my signature, proof that the statue of limitations hasn't expired and how they calculated the interest and fees and proof they own this debt. On XX/XX/2022 I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my Diagnosis Codes, Medical Record Number, full social security and a lot of other Protected Health Information I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. I contacted the original creditor and spoke with XXXX the supervisor she states they never sent that kind of information to Wakefield. They have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX is advertising a XXXX XXXX XXXX XXXX for XXXX due to being a repo vehicle. I chatted with sales associate XXXX regarding this XXXX  and he offered me a discount if i put down 40 % down payment and finance the rest. I provided them my personal information such as driver license, address and credit card number. They approved me XXXX loan with in house finance at 3.07 percent interest. They emailed me the invoice and vehicle sales agreement and I wired transfer {$22000.00} to an Bank of America routing number XXXX and to account number XXXX on XXXX. I received an email from XXXX to inform that the car will be shipped to me on XXXX and will be delivered to my residence on the XXXX. A vehicle tracking was also provided for tracking purposes. The car was never delivered to me on the XXXX. They stopped all chats and blocked my phone calls. i did some research online and they are actually using other legit company web sites car photos from XXXX and put them on their web site to scam consumers. Please assist me to get my money back and take down their web site to avoid future frauds to other people. 
I contacted Bank of America regarding their client is operating money laundering schemes but they refused to assist me. They will not disclosed any information regarding their client.

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 2022-03-31 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: NC

Complaint narrative:
I have a hard inquiry on my experian credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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 a 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 explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX credit services Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX  XXXX accounts 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

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 2022-03-31 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX XXXXXXXX accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureau Experian, are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX.This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian. It was not resolved and deleted from my credit file. They refused to delete this alleged account from my file. I have attached documents to support my dispute showing proof that this debt/ account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have a hard inquiry on my XXXX credit report from AMERICAN CREDIT ACCEPT XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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 a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NC

Complaint narrative:
I have a hard inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, my Venmo account was frozen after I submitted a payment to my stepfather for a car, I was told to submit documents to prove I was who I say I am. I submitted the documents but then, later on, received an email saying my account was permanently deactivated! I texted Venmo over and over asking why my account was deactivated, I was told that my funds were being held for 180 for loss prevention services! Why would my funds be held for 180 days!! Here it is going on XXXX and my account is still locked and my funds are still being held, I would like to come through you guys as a final step before suing Venmo and receiving my money, Please help me with this as it caused me very hard times since then, I haven't been able to recover and handle my bills on time which has caused so much stress on me, I've even had to go to the doctor!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanFlight Lending, LLC
State: NC

Complaint narrative:
Mortgage originator XXXX XXXX at Loan Flight- lied to me about rate lock.Verbally confirmed rate lock -theb Sent disclosure showing rate lock with no points. then before closing added 2 points and offered me different rates than what i was approved for and on the original disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am unable to open a bank account due to some misleading information on y consume report and this is really disturbing and annoying at the same time. I need help on how to go about this.

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account with Citi Bank ( the bank 's routing number is XXXX ). The last 4 digits of my checking account number is XXXX. On XX/XX/22, I logged into the online account to schedule an outbound ACH transfer of {$25000.00} for XX/XX/22. However, on the date when the scheduled ACH transfer was supposed to get going, I was first notified that the transfer attempt has failed, with a reference number XXXX. ( Evidence record can be provided upon request. ) However, despite that the transfer request failed, Citi Bank still withheld/locked the fund ( {$25000.00} ) instead of releasing the money back to my checking account for weeks. And, despite that the transfer failed, in the account transaction history it keeps showing as a pending transaction. What's even more ridiculous is that the " transaction date '' of the fake/erroneous pending transaction keeps moving every day. For example, on the date this issue occurred, the " pending '' transaction showed with a transaction date of XX/XX/22. The next day the fake transaction date changed to XX/XX/22. And so on. It was as if the transaction just got initiated on each day. And let me stress again, these are all in spite of the transfer request being called as " failed ''. I have tried to talk to the customer service department, the tech support and the dispute team for a humongous amount of times since XX/XX/22. Every one only knew to pass the buck and I got transferred among them in circles. Very incompetent employees and very incompetent banking system. I need to report this to the XXXX  now for a real resolution ASAP. At the meantime, because this has been equivalent to Citi Bank stealing money from me which belongs to me but not the bank, if this does not get resolved appropriately and properly right away, this has become a fraudulent banking practice to be reported to the police and/or brought to the court with my lawyer. Thank you.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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