vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I need to verify all of the details of this account you are reporting because not only I did not give anyone my personal information I am utterly speechless and confused at the same time on how you got my information and the audacity to report this unknown account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Receivables Performance Management ( RPM ) ( https : //receivablesperformance.com/ ) is attempting to collect a debt which is in dispute with the originator ( XXXX XXXX XXXX invoiced me due to an error in their system that they have been unable to correct. I was shopping around for mobile providers and contacted XXXX sales through their website. The agent opened an account for me and billed me for activation fees. SIM cards were sent but I didn't receive them because the XXXX agent entered my address incorrectly. 

I never received any goods from XXXX and I never activated service with that company. I communicated with XXXX through chat, call and in person multiple times. I was charged for two months of service before they could successfully cancel my account. All these charges were being made to the credit card that I gave them at the time of activation. 

I requested a refund from XXXX  multiple times. Every time they told me that the issue was resolved and that I would get a refund within 21 days. Refunds never came so I contacted to inquire. XXXX 's usual response was there was no refund request on my account nor record of previous interactions. I am attaching documents with proof of my interactions with XXXX from XX/XX/2022 to XX/XX/2022. Calls are highlighted in yellow. 

I gave up on XXXX and decided to request a refund through my credit card company ( XXXX ) on the basis that I was being charged for services not received. Additionally, I asked XXXX to block any upcoming charges from XXXX. My call to XXXX is highlighted in orange on the XX/XX/2022 bill. 

I have exhausted a lot of time, patience and resources trying to resolve this. This debt is incorrect and it is not owed. 

XXXX sent my account to collection and this company is already reporting missed payments to the credit bureaus.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior Huntington Bank checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. Huntington has confirmed that they recycled my Huntington Bank checking account ( account no. XXXX ) and that this account is now with another consumer. However, Huntington will not return my funds. I have been trying to coordinate with Huntington for almost a week, but they refused to transfer back my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello. I submitted an external transfer request from my Citi savings account on XX/XX/23, which I then immediately canceled. Prior to cancelation, I confirmed that if the transfer were to be canceled prior to XXXX, then there would be no debiting from my account and no money movement would occur. That was not the case. Nearly half of my savings was in the " pending '' status for TWO WEEKS! I called Citi multiple times, and nobody was able to help me. After physically going into a branch, they submitted my case to an investigation team. 

The issue with this is : 1 ) The money should have NEVER been debited from my account 2 ) I did not have access to HALF my life savings for nearly TWO WEEKS! I need access to the funds to make a very important business decision. Now, I am late on the investment and am dealing with multiple monetary/logistical issues. 

This should have never happened, and I was never given a reason as to why my money left the account and was pending without explanation for half of XXXX XXXX. This is not fair to me and is incredibly unjust. Since the bank is not willing to help me, I figured it would be best to reach out to you to offer me assistance. I would like accumulated interest returned to me for the two weeks this large sum of money was " pending '' for.

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 2023-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am an XXXX XXXX XXXX vet who used the VA loan for a current home. I have been in our home for just over two years. Our mortgage is with : Lakeview Loan Servicing , LLC ATTN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I was recently awarded a XXXX XXXX XXXX XXXXXXXX rating as of XXXX XXXX. I called Lakeview to inquire about the process for providing documentation to remove the property taxes portion from my monthly loan payment. After spending a while on the phone the customer service agent told me I could either fax the documents to XXXX, which I did on XXXX at XXXX or submit them online. I was told the request would take 3-5 business days to complete. I called on XXXX and was told they never received anything. I was told that I should instead upload the documents through the website vs fax. The reason I faxed it on XXXX is because the process they were giving me didn't work online. When I called on XXXX, I asked them to walk me through the process. I was transferred multiple times and had to call back because the department they sent me to wasn't receiving calls. 

I explained my frustration because ultimately I'm paying escrow that I am not legally required to because of the XXXX XXXX XXXXXXXX rating ( Texas ). I was then transferred again to web support and when they walked me through the process, but it wouldn't allow me to submit it. He told me, yeah it's not working and I already let them know. 

I told the previous customer service agent that the process to remove property taxes from escrow is complicated and really not designed to actually assist the customer. With a VA loan, mortgage companies should have a simple process to address these types of changes especially since many veterans ' XXXX amounts change so often. 

I explained I will be mailing the next payment and omitting the property tax in the amount of {$790.00} until they finally process everything and was told that's fine. " That's fine '', as in if you don't send us the total amount, we'll penalize you for it. 

Essentially, this is how Lakeview chooses to treat Veterans. My taxing authority ( XXXX XXXX, TX XXXX XXXX XXXX ) told me that most mortgage companies simply call them to verify the " XXXX '' taxes. I understand each company has the freedom to decide how they process these types of requests, however, if regulations exist to make it easier on XXXX veterans, Lakeview needs to be held accountable to ensure they aren't making this process so arduous.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing derogatory information that Experian is reporting for an account on my credit report. The account is with XXXX XXXX XXXX XXXX which they are reporting 120 days late. I was never late 120 days. In XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX isn't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. Also, how are you reporting that I am 120 days late, when there is only 1 late payment reporting? I am demanding that the late payment for XX/XX/2020 is removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX is not reporting lates.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I got charged 8 overdrafts fees to my personal account totaling {$270.00}. I called on Saturday XX/XX/XXXX for help on removing the fees, because after the pandemic my life changed and I have been thru financial hardships. My time is limited, I have XXXX kids and XXXX jobs. When I called the associated said he could help me with 3 overdrafts because that was the max allow in 1 day, that I had to call back to get help on the other fees. I called today, lost my time to find out that I was lied on, they tell me 3 is the maximum allowed in an entire year. I spent 1 hour today on the phone to solve nothing. Chase is very black and white where they allow 3 and they don't care about what situation you are having at the moment. I explained I usually transfer the money as soon as I get a negative balance alert, however I explained I had a situation where I couldn't be on top of my accounts as I usually am and also amazon transactions were those subscriptions where of course I didn't have the time either to be cancelling those transactions because what was going on. I would like the rest of the overdraft fees removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out private student Sallie Mae loans to cover living expenses while I went to XXXX school for two years. My tuition was covered by federal loans. 
From the very first day of repayment, six months after graduating, I was not offered a payment that I could financially manage. I was only offered deferments and forbearances over and over and over. My loan started at {$60000.00} and has now reached nearly {$200000.00}. I have paid XXXX XXXX on the loans. Navient now holds my loans. In the early early years of dealing with representatives they were very cruel and only suggested to me that I ask a rich uncle to give me money or another option would be death or a terminal illness. The mental health burden of Sallie Mae is soul crushing.

I have been in repayment, deferments and forbearance periods on an off for the last 15 years. During this time, my husband and I had had to file for a XXXX  XXXX bankruptcy due to him losing his job for the local coal company. We had to do that in order for us to keep our home. I was told at that time that no student loans were not dischargeable in bankruptcy. We successfully finished out bankruptcy after 5 years. 
All of these years later, I am finding out they are dischargeable and I need help. I have XXXX  kids that will be graduating from high school and I don't want them to have to go through what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a Citi Bank Simplicity card and received it in the mail about 4 weeks ago. They had an advertised special of being able to make balance transfers with 21 months 0 % interest and a 3 % balance transfer fee good for 3 months that is good on my card until XX/XX/2023. When I received the card, I set my account up online. I had to go to Citibank.com to set it up and I did it successfully. I decided to do a balance transfer today. I could not log on. It said my password was incorrect but it wouldn't let me change my password, even with trying to put in the 16 digit account number. There were two phone numbers listed to call for help. Neither number was an operating number. The numbers are XXXX and XXXX. I called the number on the back of the card. I was on the phone with them for over an hour. They could not verify my account, not even my phone number. They tried to text me a verification code to m phone, but it would not come through on my phone. Even with the 16 digit card number and the security CVV code on the back, they couldn't verify my account. They kept saying I had set up a security code when I registered on-line and wanted that code, but I was not asked to set up a security code in the first place. Also, when I tried to sign in on-line, it says they are in XXXX. I talked to two women I could not understand. At the end of the almost one hour conversation, she wanted to send me a verification letter in the mail. I told her no, that I'm not waiting on a letter and that I think they are a scam company. I told her I want to close the account but she totally ignored me and kept saying they would send me a verification letter. I finally hung up. Now I'm really afraid this is a scam and I'm afraid charges are going to be put on this card that are not mine. The last woman I talked to was supposed to be in he technical support dept. That number is 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection. 

INQUIRES : DATE OF INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE ARE THE INQUIRES I DEMAND OFF MY CREDIT AS YOU TRANSUNION CAUSED IDENTITY THEFT ON MY CREDIT BC YOU HAVE NOT REMOVED AS I ASKED. YOU NEED TO BE COMPLAINT TO THE LAW PERIODT..DELETE ALL INQUIRES LISTED. ALSO ON MY REPORT YOU HAVE MANY NAMES ON IT. I WANT ONLY MY NAME WHO I AM XXXX XXXX XXXX. 
REMOVE XXXX XXXX. YOU ARE NOT ACCURATE WITH INFORMATION ON MY CREDIT SO STOP REPORTING WRONG AND IF YOUR GON NA REPORT BE ACCURATE .. DEMAND YOU TO REPORT ACCURATE INFORMATION

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 2023-03-15 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc.
State: IL

Complaint narrative:
Last week I received a voicemail from a XXXX XXXX in AARS. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX AA Recovery Solutions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation