vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX FIN, and XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am attaching a letter I received regarding this loan. First- it was not allowed to be paused during the pandemic. They constantly harassed us during the entire time. Secondly, we have received significant correspondence regarding the transfer of the loan from Navient to aidvantage. Yet, we are hounded as our friends and neighbors by Navient. This process is criminal as they are no longer supposed to be handling our account. In order to keep our credit in order and because of the harassment I have paid them, but I really don't like it as I don't feel they are legitimate but I am fearful by the calls and emails. However, you can never return an email to them or get the same person on the phone. This is absurd- We are retirees and the debt has doubled due to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
The custody of my HSA account transferred from XXXX to XXXX XXXX on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called XXXX XXXX to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to XXXX and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to XXXX. On XX/XX/2022 I called XXXX and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in XXXX business days. On XX/XX/2022 and XX/XX/2022 I called both XXXX and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS AND ASSOCIATES called me 1 year ago, to charge me the gym XXXX  membership, which I had canceled 2 years ago, and had filed a complaint with the bank, because XXXX continued to collect the monthly payment after I retired. When ALDOUS AND ASSOCIATES call me they threaten to send me to the collection if I didn't pay, even though I explained my case. We agreed that he would pay {$190.00} and that they would not comply with his threat to send me the collection. 1 year after paid, they put me in the collection and hurt my credit. I called them and the secretary told me that even if I had paid, they put me in and don't plan to remove him. because they don't want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX  have 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I mailed letters to Tower Loan at XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX on two separate occasions : XX/XX/22 and XX/XX/22, yet a XXXX continues to call my phone, my work place, my mother, my sister in law and my husband DAILY from XXXX. She merely states that she needs to speak with me, as if she is a friend of mine. This is very misleading and I feel as though it is both unethical and fraudulent to be posing herself as someone who knows me personally. The letters plainly informed this debtor that I was being represented by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AR XXXX and my attorney XXXX XXXX XXXX at XXXX. She has continued to ignore my letters and keeps calling XXXX, to XXXX XXXX of harassment for my employer, my mother, sister in law and husband. My letters gave them all the information they needed in order to cease and desist all communication with me and to ONLY communicate through my legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX {$110.00} XXXX XXXX {$300.00} COMNWLTH FIN {$1600.00} COMNWLTH FIN {$1100.00} COMNWLTH FIN {$550.00} COMNWLTH FIN {$550.00} Every one of these charges on my credit has been fraudulent. I have never received medical treatment from the types of doctors listed, nor anywhere near the dates issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I got crypto scammed badly and I am trying to return money. I lost around {$2300.00}. 
My bank is a Bank of America. 
Transactions : XXXX : {$200.00}, {$300.00} XXXX : {$250.00} XXXX : {$300.00} XXXX : {$500.00}, {$400.00}, {$300.00}, {$200.00} What happened is that I got scammed, I downloaded a XXXX exchange apps called XXXX and XXXX and started using it because I was added into a telegram channel of XXXX XXXX where they send XXXX alerts. At first I didnt trust it, but then I looked up a XXXX XXXX and it seemed to be legit. I started transferring into XXXX and then from XXXX into XXXX. I realized later that my money just started dissapering from my XXXX account. It was too late I already lost {$2300.00}. I filed a claim to the government agency, they told me you can help me return money. I am very hopeful that you will be able to help me. 

Thank you, 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 2022-08-24 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: IL

Complaint narrative:
I've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
I've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My parents were victims of identity theft and their Bank of America checking account was hacked. Individuals used their information to write to a fake check for {$2000.00} and used their debit card to make additional unauthorized purchases for different amounts of {$270.00}, {$8.00}, {$390.00}, and {$3.00}. We have repeatedly reached out to Bank of America fraud department and rerouted across the debit department, the check department, and the general fraud department. We've tried to place a freeze on the account, but each time we are told there is a freeze, when we reach out again over phone, a representative informs us that there is no freeze. Furthermore, there have been credit cards that are being issued in this account even though we did not apply for them. We've been trying to resolve the issue so that we can recover the money lost via the fraud and to close the account to avoid future issues, but have been struggling to the account issues fixed.

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I reached out to Genesis Service the card issuer for indigo bank credit card and realized I had fraud transactions on the account. I reported the fraud and the bank states I have to wait 60 days for the fraud department to investigate. The 60 days have surpassed and I call again. They now state they have to reinvestigate this fraud case and to wait another 60 days. I find that absurd!! Than the agent states that I will have to continue to make payments despite those charges not being mine. I have been paying for the last 2 months with no answers. I have spoken to a manager and they told me there is nothing they can do! How is that possible? There has to be a timely manner to investigate fraud cases. The rep couldnt even tell me what had happened with the first investigation but we just that it had to resubmitted and I have to wait 60 days. I cant imagine there is no legal timeline for fraud investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
This company continues to be deceptive and invade my privacy. They are reporting and damaging my credit, they communicated with me several times in regard to a alleged debt. I have expressed to them, I dispute this alleged debt. Ive called and put in complaints to the CFPB, as well as the XXXX Within the XXXX they state I owe this alleged debt. Which is false and misleading. As well as obscene and profane language. Ive asked for ALL accounting, and documents related to this alleged debt. They sent me some invoices from some other company as well as a blank paper with some times and dates " that claim they called in regards to this alleged debt. They we not looking for location information from their supposed notes. These look to be repeated harassing calls in connection with a alleged debt. Further violating my rights as consumer and violating my privacy. I don't know how they received my personal information to even contact me. I have never consented to do any business with Kings Credit Service nor have them invade my unalienable right to privacy. I have given there company several laws they have broken as well as spoke to their Attorney XXXX XXXX. He was suppose to be getting back to me, with ALL information I have requested. The File labeled XXXX XXXX is the supposed verification and validation, they claim they have given me. There is no forward flow agreement or bill of assignment, if this is my alleged debt and they have any rights to collect. The amount they are alleging I owe is a positive amount. This we be my last act in good faith to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My Mother, a XXXX in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. 
She applied for HAF funds several months ago. 
In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. 
She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. 
I caught this error only after she made 3 trial payments, but luckily before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a XXXX with a perfect XXXX credit score a 40 year mortgage. 
Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. 
They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. 
Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. 
It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. 
They need to be monitored and investigated asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon " checking out '' my purchase of a hotel room at the XXXX XXXX website I was prompted by a XXXX XXXX JPMC credit offer of a 0 % Promo APR for 6 months if I applied for and was approved the card. I received a credit line for that card and completed my purchase. After receiving the paperwork for the card I could see that that purchase did NOT qualify for the 0 % promo APR that was advertised to me as I was checking out. I called Chase and spoke to a representative and their supervisor and was told that nothing could be done. I understand that it was all there in the fine print but that doesn't mean that the offer was not deceptive or misleading. Now I'm on the hook for the entire balance the on the first bill unless I want to incur the interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I ran my credit and saw varied amounts being reported. XXXX to XXXX and XXXX to XXXX. I was able to dispute through XXXX and XXXX, however XXXX when they investigated removed. XXXX stated that they are now reporting a credit date of 2018 and a balance of XXXX. When I called Jefferson Capital Systems who is reporting the debt they advised after verification of my identity they can't and won't provide me any details about my amount owed, or why its owed unless I pay them to check my credit reports. I refused to pay them money to check my credit and requested balance of reported collections and why. I advised them I have had identity theft from the 2018 questioned year and need to find out where this balance is coming from ... they again refused to tell me information unless I paid them a XXXX and allowed them to run my credit. This is not legal and needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account

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 2022-08-24 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have 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 an 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 2022-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
Ad Astra recovery se account # XXXX, originally a XXXX XXXXXXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
During the process of opening a check account, their online system instruct me to transfer money to the new account using XXXX. I provided the authentication information and XXXX accepted without error. 
I asked the bank what's next for me to do. The told me just to wait. 
3 days later, First Tech charged me {$33.00} because the transfer didn't succeed. 

During the whole process, I wasn't informed there might be a penalty. 

My account 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 monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Case No.1 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXX to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX Case No.2 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXXs to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX XXXX

Company response to consumer: Closed with monetary relief