vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Amount : {$170.00} My husband and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. On XX/XX/14, the agent that call me claimed the bad credit marks would be removed if I were to pay immediately and they would leave us alone, then refused to send a letter stating as much in writing. I pushed for it to be sent in writing, and he eventually agreed. At the same time, my husband received a call, he explained this to the agent, the agent made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if we didnt pay now, we would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after my husband said he would be retaining legal counsel. He was forced to hang up. I called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call me, who, less than 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. I was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. I then received a text message from Genesis immediately after that conversation and another email. I feel this constituted harassment, threats, and illegal debt collection practices. My husband also made a complaint regarding this and the credit removed, but it has not been removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company never sent letter This company is also unable to collect debts in California due to not having a California license. I have left a link from the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have tried repeated times to get Cavalry Portfolio Services to verify the debt they say I owe, and they have not done so. I have made a identity theft / fraud complaint with the FTC. By law, they must remove any fraudulent information from the Credit Bureaus, as this fraud is negatively effecting my credit score and impeding my ability to conduct business in commerce. 

Cavalry has no contract with me, and can not sufficiently validate the debt they claim I owe, therefore they must remove this account from my credit report. - both XXXX and XXXX are reporting negative information on a debt that is fraud and is inaccurate which violates my rights to privacy and they are violating the laws that require them to report accurate information. This fraud must be removed from my credit reports at XXXX and XXXX Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had an auto payment set up through my bank account. 
I closed my account, and tried to set up payment with a new account a few days past XXXX payment due date only to find out I have a block on my account, which makes me unable to set up a new payment account, unless I go through their phone call system with a charge of around {$7.00}. 

I am also blocked from speaking to any customer service to explain the situation and find solution. 
The only option is to incur additional fees for three months even though I am fully able to make timely payments NOW if it were not for their system. 

I feel this is a very unfair business practice. Why should I be punished for three months with penalties/additional costs for a single month transactional error?

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opted out of XXXX XXXX products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXXXXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opted out of XXXX XXXX  products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on Bank of America. BOFA claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.

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 2023-04-27 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, XXXX and Transunion about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, Experian and XXXX about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the 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 2023-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've asked Clarity Services Inc., a part of XXXX, to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by Clarity are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
For several years my Citi Best Buy XXXX card has failed to list the exact minimum amount due. The amount listed always includes the amount the card is over its limit ( which Citi allowed to happen ). I generally have to guess what my minimum payment is, as I can not afford to make a payment of {$2000.00} plus. Their website and XXXX number also do not provide the true minimum payment. I have complained to the company about this approximately XXXX years ago and for a few months, the billing statement reflected the true minimum payment. In the last year I have made payments in amounts ranging from {$350.00} to {$500.00}, when my budget allows. I have not made any new charges to the account in at least XXXX years. For the month of XXXX, I made a payment of {$400.00}. I had been struggling but had been making payments of {$500.00} for the last few months. I have received harassing phone calls and emails stating that my payment was {$67.00} short. I explained to the caller that based on my statement, there is no way for me to know what the correct minimum payment is. The caller did not act like she understood what I was talking about. 

In addition, if Citi was accepting payments as low as {$350.00} without calling or sending emails, then they must have raised my interest rate. Generally, if the consumer isn't making new purchases or charges, doesn't this mean the consumer did not consent to the interest rate increase?

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 2023-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX  sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my Bank America account to XXXX account. That was XX/XX/XXXX, that the balance transfer was confirmed by XXXX. Weeks go by Bank of America reflects no reduction of the transfer amount of {$10000.00}. I call XXXX and they stated they sent the funds to Bank of America. XXXX instructs me to call Bank of America as the issue is on their side. I call and Bank of America says no they did not receive the funds to call XXXX. Call XXXX back and told the funds are sent and will hit my Bank of America account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when Bank of America agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to XXXX bank. Got nowhere with either bank then. Called again a day later and told by XXXX to verify the account I do so and mention it was several times. Person at XXXX says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to XXXX. I call on XX/XX/XXXX to both banks and get nowhere. I am told by XXXX here is the tracer number bank America can look it up and XXXX sees it and verify funds went to BOA. Tracer # XXXX. I was asked XXXX XXXX  for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from XXXX that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by Bank of America they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.

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 2023-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Capital One account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for my purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
On XXXX XXXX, 2022 - received letter about transfer to new servicer. Letter said, " XXXX ( current servicer ) will stop accepting payments after XX/XX/2022, your new servicer, Lakeview Loan Servicing will start accepting payments received from you on XX/XX/2022. My account with previous servicer was on auto-pay to be paid on XX/XX/2022 and it was paid! When Lakeview was EXPECTING the payment on XXXX XXXX, 2022 there was no money sent to the new servicer. 
XX/XX/XXXX I tried to set up auto pay on the new servicers web site, I was told I could not because I was delinquent - what? I immediately called new servicer and was told I could not set up auto pay until I was current. And they did not accept debit/credit cards. Now I'm baffled ; upon checking my account there was money in there that apparently was returned to the account but I didn't know it! I called back and was told I could send cashiers check or money order ; since they don't take cards and I didn't have checks. Unfortunately, other items hit my account and I did not have all the money at this point ; when I finally paid XXXX in full it was XXXX ; and I had to pay XXXX in XXXX PLUS I paid XXXX in order to get caught up. XXXX 's payment was made on XX/XX/XXXX ; two days late. At this same time I finally set up the auto pay for the new servicer. In XXXX I received a notice that I was eligible to refinance ; after crunching the numbers this made sense for me ( after COVID, I was behind in some credit cards ) however Lakeview Loan officer informed me since I was late XXXX and XXXX payment I was not qualified unless the mortgage servicer ( MyLoanServiceLakeview ) *same company different divisions... they were under the assumption that RESPA would prevail, it did not ; and they submitted a escalated request to address the issue ; after two months of waiting they notified me I was technically late!! This is not fair! And I have 60 days according to federal law to get set up when being transferred. How is this my fault? I am seeking relief ( ability to put in application for REFI ) and an explanation of what went wrong here. XX/XX/2022 ( pay the old servicer ) XX/XX/2022 ( pay the new servicer ) simply does not make common sense. I don't know anyone with two months of mortgage payment lying around post COVID.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears in my XXXX consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : LATE PAYMENTS Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from AmSher Collection Services. On XX/XX/XXXX, I returned the response in which I checked the following : This is not my debt Other in which I attached a letter I also checked that I wanted to receive the name and address of the original creditor. 
I attached all as attachments. 
The following was mailed by US mail to the Collection agency to AmSher Collection Services , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. 
My letter that I have attached as proof requested original signed document of my debt to them among other. As of today 's date XX/XX/XXXX, The collector has failed to verify this debt and respond to my letter. 
Upon receiving my letter however they did in bad faith report me to all three credit bureau without verifying that this is my debt. 
Proof of documents were uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A payment that cleared my bank on XX/XX/23 will not be credited to my account until XX/XX/23.

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