vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have repeatedly told the debt collector ( I.C. SYSTEM, INC ) from XXXX, Mobility that I have not had an account with XXXX for XXXX years and that the debt they are trying to collect from someone does not have anything to do with me. They are continuing to cause me to spend time which I am sure they can see where the phone service they are attempting to collect for was set up and where the phone was used. They should involve law enforcement in an attempt to find the person who stole their service and not continue for years harassing a person who has absolutely nothing to do with this account and has absolutely no association with the address they are stated the service was 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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I initiated a ACH transfer request from my XXXX  Savings Account ( ... XXXX ) to pull money from my Cash App ( XXXX XXXX  ) account ( ... XXXX ) in the amount of {$8400.00}. 

On XX/XX/XXXX the {$8400.00} was removed from my Cash App account ( ... XXXX ). 

A couple of days later I received a call from XXXX XXXX  stating that the ACH transfer was " incomplete '' and that I needed to contact Cash App and have them dispute the transaction. 

I created a support case with Cash App ( ref : XXXX : ref ) to dispute the transaction, but Cash App support stated that they could not ( or would not ) dispute the transaction. The gave me the following trace # to give to XXXX to look for the transfer : trace_number : XXXX, XXXX : XXXX XXXX again checked for the funds but stated that the transfer was incomplete and that Cash App needed to dispute the transaction. Further communication with Cash App stated that there was nothing more they could do to help. 

I initiated a support case with XXXX to investigate the issue. Approximately 6 weeks later on XX/XX/XXXX, XXXX called me to tell me that they had resolved the issue and the {$8400.00} was finally credited to my XXXX account ( ... XXXX ) on this date. I do not have any specific details on what the was done to resolve the issue. 

On XX/XX/XXXXXXXX  the {$8400.00} was debited from my XXXX account ( ... XXXX ). I contacted XXXX and they stated that Cash App ( XXXX ) had requested the funds back. XXXX responded to the request by initiating a manual ACH transfer of {$8400.00} to Cash App. The transaction id for this transfer is XXXX. 

This {$8400.00} was never returned to my Cash App account and has been removed from my XXXX account. On XX/XX/XXXX I created a new support case with Cash App ( ref :! XXXX.! XXXX : ref ). Cash App now says that I need to contact XXXX and have them request the funds back. 

I contacted XXXX and they said that since Cash App requested the funds to be returned and since they did a manual transfer of those funds that they no longer have the ability to request the funds back. 

I gave this information to Cash App, but they stated that this was all that they could do and they could provide no new information. I am now at a dead end and out {$8400.00} and no one seems to know where the funds are and Cash App is no longer willing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2023-11-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I have filled out XXXX requests and loan modification packets. XXXX they did not receive and ONE they were missing documents. I sent the missing documents to XXXX XXXX who was in charge of the modification department per her. I have emails to her direct email with the documents needed. 
Since then planet home lending has put my home into foreclosure status and I obtained the assistance of XXXX XXXX XXXX to help keep my home. 
I have had XXXX XXXX way calls between the XXXX companies and was approved for a tier XXXX medical loan. I have filed all documents needed. 
My complaint is about the harassment from a process server that planet home lendings lawyer obtained. She has been to my property 3 times in XXXX weeks even though she was given the cease and desist letter. She told my sister in law today that everything behind her is about to be taken even the ground that she stands on. ( All on camera ) And that the sheriff 's will be out soon to remove myself and XXXX young children, XXXX of which are ill along with myself. I've also spoken to plant home lending 2 times in the last XXXX weeks. But it's the same thing over and over since this company lacks the presence of reporting notes and conversations with clients. Thus NO COMMUNICATION IS PRESENT WITHIN THE COMPANY. 
I HAVE A CEASE AND DESIST ORDER. 
I also have proof that they were given the information by myself about the PACE PROGRAM fraud on my house, with whom they are trying to sue as well. So they will never win that case in court. 
I begged for there help when I found out that the XXXX company forged my husband 's name on forms to RENEW FINANCIAL in which I have an open case in the XXXX XXXX XXXX XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is the second time I notice this fraudulent account coming from LVNV, after looking into the alleged best in all three credit reporting agencies XXXX, XXXX, and XXXX I then forward to dispute this alleged debt with LVNV. I sent LVNV a letter of dispute on XX/XX/2023 and did not get any response. So I sent a second letter on XX/XX/2023 and I did not get a response either. Furthermore there are XXXX other collection agencies collection on the some alleged debt. The companies attempting to collect on a debt that I do not owe are XXXX XXXX XXXX and XXXX XXXX XXXX. LVNV did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts, or 15 U.S. Code 1692g - Validation of debts. 
This is the second time I dealt with LVNV and never responded to my dispute letters of Validation of debt. 
XXXX XXXX found LVNV in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which XXXX XXXX XXXX continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE - CALLING MY LANDLINE TTY/TDD NUMBER XXXX TIMES TODAY... I RETURNED THE CALL THE XXXX TIME THEY CALLED. 
THEY ARE LOOKING FOR SOMEONE WITH SOME MEDICAL BILL OF $ XXXX. 
THE PERSON THEY ARE LOOKING FOR -- > NO SUCH PERSON AT MY TELEPHONE NUMBER. I'VE SOUNDED LIKE A BROKEN RECORD PLAYER AND I HAD TOLD THEM TO REMOVE MY NUMBER OFF THE LIST. 
THEY MADE PROMISES XXXX TIMES TODAY. 
AND YET, THEY'VE CALLED ME XXXX TIMES! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
my billing statement goes from the XXXX to the XXXX of next month, so what im saying is that synchrony bank computer has a glitch to it! lets say my XX/XX/XXXX through XX/XX/XXXX statement is due by XX/XX/XXXX, now if i pay my statement in full on XX/XX/XXXX, and i want to put money towards my next statement say on XX/XX/XXXX their computer sends that payment to the XX/XX/XXXX statement even though that statement is at {$0.00}, and then i pay the XXXX down to XXXX their computer doesn't realize that the payment made on the XXXX went to the wrong statement and it doesn, t know to put that payment to the next statement and by the time they figure it out they have charged me an interest charge when my statement are always paid in full!!! and how long has this been happening over the last 20 years that i have had that credit card??? and its a paypal credit card but the bank they use is syhchrony bank... plz help for i have called them and they won't take the charges off!! and again my statements are always paid in full by the due date! and XXXX statement they charged me {$60.00}, and XXXX statement they charged me {$64.00}, and then i can't get my other statements because the computer says try again later!!!!!!

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 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: VA

Complaint narrative:
Hi, I have reached out to the company before. 

They are attempting to collect a debt that is not accurate. I have NEVER lived or EVEN received a key to live at the apartment complex. 

I filled out an application, they sent me a lease to read over and SPECIFICALLY told me the lease wasn't final UNTIL I paid the deposit that was REQUIRED to move into the apartment. 

How it went from that to contacting me several months later saying I broke my lease and only lived on the property for a week is fraud! I feel I was forced into something that they knew they were going to commit a fraudulent act. 

I refuse to pay this debt when I lever lived in the apartments and the debt collector nor the owners of the apartments will help me. I will take legal action if this matter isn't resolved because Its causing me stress and anxiety and causing my credit to get me denials. 

I have never even had a light bill in the address mentioned. Its never been listed as an address of mine. SO how could I have lived there with no utility bills matching. 

Thanks you for verify the details of this " lease '' debt that with the debt collector. The leasing agency and the debt collector seem to be trying to squeeze the little guy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OH

Complaint narrative:
I have federal student loans with Edfinancial. 
At the end of the school year in 2023 after completing my XXXX year in a XXXX XXXX XXXX, I put in my XXXX loan forgiveness application into Edfinancial with all of the appropriate paperwork with signatures proving my years of service at the XXXX XXXX XXXX In XXXX I got a notification from Edfinancial that my application was denied because XXXX of the schools I worked at was not on the list for low income schools. I checked the list after getting this denial and saw that my school was on the list but there was an error on the cover page that said XXXX XXXXXXXX XXXX XXXX  XXXX XXXX instead of XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX. The page that had to be signed by the HR department to prove I worked at the XXXX had the correct XXXXXXXX name listed on his paperwork that was included in the papers given with the application. I called Edfinancial Customer Service and told them what must have happened with the mistake and a claim was put forward. I was told by Edinancial Customer Service that they would reach out to me with information about the claim and the status and that it would take a while for it to process. I never had any email notice or letter in the mail about the status of the claim. 
This past weekend I was going through my exit loan process for my XXXX XXXX and saw that I had interest accruing on my loans. I had a forbearance put on my XXXX loan so that It would not accrue interest until it was paid off with the XXXX  forgiveness loan. 
I reached back out to Edfinancial and was on the phone with them for an hour and twenty minutes. I found out that the claim from XXXX was denied and they never reached out to me or sent me a letter giving me information. The customer service rep that i spoke to said he talked to several people in the office that agreed that the application should have gone through. I was told to resubmit my paperwork. The problem I have is that I have done everything I should have done to get this approved. I do not believe that I did anything wrong with my paperwork. Edfinancial has made this process ridiculously hard and I do not trust that they will do or have done what they are supposed to do with the application process. I believe that a third party will need to take part in order for this to be looked at again and for it to be processed correctly! Please help me with finalizing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
On my PSLF tracker Under ineligible payments : XXXX it is stated that the payment was made out of acceptable time frame and that is not true! I faxed over proof of payments being made on time each month from XXXX. On XX/XX/XXXX I faxed over more than XXXX pages of proof of on time payments for the years XXXX. I never missed a payment because it was auto drafted out from my bank account. So it was never late. There are XXXX eligible and qualified payments not being counted that should be counted! These XXXX payments would bring my count to XXXX ( including the XXXX I already have counted ). Then under eligible but not counted : there are XXXX eligible payments, so divided between my XXXX loans thats XXXX eligible payments per loan, which would put my count at ( XXXX + XXXX = XXXX ) XXXX payments for each loan, which would be well over forgiveness. Why are these payments not counted yet and updated towards my count?? I have turned in all the appropriate paperwork and certified employment etc. and provided proof of on time and auto drafted payments. Never late nor missed a payment. I have called and been told they can see the proof of on time payments and the auto draft paperwork I sent etc and that my account should be updated and all those payments should count etc. but still no change. I have asked about all my employment verification ( XXXX ) ( I have worked for qualifying employers from XXXX to present day ) and have been told that everything is there and done that my account just needs updated and all these payments will count and be added to my tracker. I just dont understand why it is taking months to do so??? I am well over forgiveness if my account would be updated. This is so frustrating especially when each time I call recently I am out on hold for XXXX hours. I have been arguing this and trying to get this corrected for months now. I would greatly appreciate it if someone could just update my account like Ive been told they would do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AZ

Complaint narrative:
the balance of XXXX XXXX account number : XXXX its XXXX and it shows as {$310.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: AZ

Complaint narrative:
the balance of XXXX XXXX  account number : XXXX its XXXX  and it shows as {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Getting denied at banks after bank of America which they froze my account with no explanation

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 2023-11-08 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: TX

Complaint narrative:
Equifax is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.

Company response to consumer: Closed with explanation