vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: OR

Complaint narrative:
Amount Owed : XXXX {$3100.00} Date Opened : XX/XX/XXXX On XX/XX/XXXX, I submitted request for validation of debt and validation of the alleged contract which the debt collector supposedly owed which stated that I validated. 

The debt collector has provided a response stating that they provided the original contract but have yet provided the supporting evidence of the validation of debt and the validation of the requested evidence to show that the contract is indeed lawful. 

Today I provided them to provide again the validation of the debt and legally of the alleged contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2024-01-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2024-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
1.I have never had an account with this company Credence Resource Management , LLC, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Credence Resource Management , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting 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 told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX  Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX  XXXX  Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXXXXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX, I purchased a TV from BestBuy and the experience from beginning to end has bene terrible. When I purchased the TV, the BB agent told me about their Citibank credit card which was XXXX % APR for a year, so I signed up. I checked my account today and noticed that BB has been charging me interest on purchases so I called and the person that I spoke with said that the XXXX % APR only applies to certain promotional purchases. 

This is extremely sneaky and deceptive. This is not what I was told and if they told the truth from the beginning, I would have never signed up. I want the {$96.00} interest they have taken from 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
On XX/XX/XXXX, I was notified that my mortgage was sold to Community Loan Servicing. The payment that was to be posted ( and was cashed on XX/XX/XXXX ) was transferred to the new company and not posted by my original mortgage company. To date, the new company has proof that they received the payment ( on XX/XX/XXXX ), but refuse to post it to my account or give me credit on interest from XX/XX/XXXX when it was cashed. They refuse to provide an updated payment statement, amortization schedule ( showing the extra payment ) or a XXXX interest paid statement for the IRS. I have emailed and asked, repeatedly for them to find the payment but they refuse to start a search for it. I have an email from the old mortgage company to confirm that they have the money and that it should have been credited. The check was an auto-pay from my bank, cashed on XX/XX/XXXX in the amount of {$5600.00}. I have spoken with XXXX XXXX and XXXX XXXX and neither will pursue the payment. 

As of XX/XX/XXXX, I was one month ahead of schedule in payments. Community Loan Servicing debited my account on XX/XX/XXXX for an additional XXXX, XXXX payment. They tell me I am due to make another payment on XX/XX/XXXX but they have not posted the XX/XX/XXXX payment,. 

This company has had 440 complaints against them in your records and so I believe they use this stonewalling to make money on their daily investments. I would like to receive the credit of the entire amount against principal since they are still debiting payments on schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On or about XX/XX/2024 tried calling Transunion to remove two unauthorized hard inquires they refused claiming I had to file an ftc identity theft report then submitt it to them before they can remove these to hard inquiries when number one its not an issue of identity theft but but rather a company that decided to to shop my info after applied for card that was suppose to be an equafax inquiries only. Secondly the By the provisions of the Fair Credit Reporting Act, I'm not required to file any type of identity theft report nor does either of the other two require this nonesense.

, I demand that these 2 hard inquiries items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. There refusal to act in the absence of a identity theft report is unlawful the standard is can a creditor verify that they have been authorized and they have not.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I purchased the home at XXXX XXXX XXXX, XXXX, MN with my ex-husband, XXXX XXXX on XX/XX/XXXXXXXX Due to financial hardship, we refinanced our modest mortgages on the home on XX/XX/XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. We took out a mortgage with XXXX for {$160000.00} and were required to also sign a separate second mortgage to XXXX for {$42000.00}. Specialized Loan Servicing ( " SLS '' ) began servicing the junior mortgage on XX/XX/XXXX XXXX XXXX according to its internal records. SLS did not timely abide by the notice of servicing transfer guidelines under 12 USC 2605 or Minn. Stat. 47.205. subd. 2. 

Due to financial hardship, I filed for XXXX XXXXXXXX bankruptcy protection on XX/XX/XXXX. An attorney filed a proof of claim as representative for SLS as " Attorney in Fact for XXXX XXXX XXXX XXXX as Trustee '' on XX/XX/XXXXXXXX XXXX  listing the total debt of {$42000.00}. No documentation was provided in the bankruptcy case nor recorded on title to show either SLS or XXXX 's interest in the underlying loan, mortgage, or the property. SLS accelerated the loan on or before XX/XX/XXXX but then did not complete foreclose within the 15 year statute of limitations under Minn. Stat. 541.03. 

I subsequently filed for XXXX XXXX  bankruptcy protection on XX/XX/XXXX. An order of discharge was granted on XX/XX/XXXX, which included a discharge of personal liability on the junior mortgage. 

In late XXXX, SLS suddenly began reaching out to me with new attempts to collect on the debt, threats to foreclose the junior mortgage, and pressure to enter into loss mitigation to pay an amount almost three times the original amount of the XXXX junior mortgage. I was confused and questioned whether this was a scam and against the law given my bankruptcy discharge in XXXX, and having heard nothing from SLS since XXXX about making further payments on the junior lien that was written off. In these activities, SLS violated 15 U.S.C. 1692f ( 6 ) of the unfair debt collections act and several provisions of Minnesota Statutes Chapter 58 relating to mortgage servicer standards of conduct. SLS is also in violation of the terms that it agreed to in the Consent Order with the United States of America Bureau of Consumer Financial Protection filed XX/XX/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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/2024 I opened a brokerage and bank account with Robinhood Securities LLC., on XX/XX/XXXX I made a transfer in the amount of {$4900.00} From my external account to my Robinhood spend account with an avaliable date of XX/XX/2024. 

On XX/XX/2024 I received an email saying my Robinhood accounts had been restricted until I submitted documentation proving my identity, they requested a copy of my external bank account statement, a copy of my driver 's license, and a selfie of myself holding my driver 's license. 

On XX/XX/2024 I called Robinhood customer service to verify they had gotten my documentation, but Robinhood customer service preceded to asked me a series of questions that lead me to believe my account may have been compromised and at that point I requested the deactivation and closure of my account, and to be allowed to transfer my {$4900.00} that they were keeping me from accessing out of my Robinhood account and into my external account, the agent informed me due to the account restrictions this was not possible until the investigation was completed in 5-7 business days I could not. 

On XX/XX/XXXX I only received auto-generated email responses from Robinhood, so I proceeded to file complaints and request mediation and Arbitration from the following government agencies. 

XXXX SEC XXXX XXXX On XX/XX/XXXX I received an email saying Robinhood was closing out my account due to terms of service and my funds would be transferred to my external account but this could take up to 15 business days, when I received this email I immediately logged into my account to discover that without my permission or knowledge Robinhood transferred my {$4900.00} from my Robinhood spend account over to my Robinhood brokerage account, I believe to incur interest that they would earn and keep until they transferred the money to my external account. 


On XX/XX/XXXX I emailed Robinhood customer support informing them I had filled complaints with the listed above government agencies and sent them my letter for ARBITRATION. 

On XX/XX/XXXX Robinhood sent a email response saying they were reopening the investigation and it would be 2 business days before I would get an email with there final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the documentation you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the provided contract does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Reviewing my equifax credit report I notice XXXX XXXX is reporting a late payment of 30 days late XX/XX/XXXX. Having this XXXX XXXX XXXX  since XXXX of XXXX, this account has never been late. This late payment was reported during the time of a national pandemic. I do not recall receiving the statements 21 days prior to the due date to make an on-time payment. According to consumer law 15 USC 1666b- Timing of payments the consumer must receive the statements 21 days prior to the due date. Furthermore, according to consumer law 15 USC 1681s the consumer must be notified in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from XXXX XXXX 30 days prior or after the late payment was being reported on my credit report. 

I know it is XXXX XXXX  duty to report accurate information and as a consumer with a perfect payment history I understand that, however the reporting of 30 days late in XXXX during a pandemic I do not believe was reported accurately according to all consumer laws that applies.

Company response to consumer: Closed with non-monetary relief