vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
In early XXXX of this year 2023 I noticed a collections on my credit report for a company called credence resource management, reached out to the credit bureau to verify that I was seeing this debt correctly, and I was told to dispute it with the creditor so I sent off a debt validation letter on XX/XX/XXXX and I did not receive anything in return. I waited until early XXXX and not only did I not receive a response to my debt validation. I check my credit report and it showed that they noted the dispute on my credit report, and said it was resolved, and found to be correct, I got no notification of any communication from the debt collector, yet the debt dose not belong to me nor did they respond to my validation letter and falsely stated that they spoke with me and found that that was correct due to communication between myself, and the debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted a hardship application in XXXX. No one reached out and I called back in early XXXX and found out that the app wasnt completed to their standards. I resubmitted the app but received another letter on XX/XX/XXXX requesting that I send in an application, as if they never received the one that was sent on XX/XX/XXXX. This company is giving me the runaround and I intend to sue at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXX XXXX Bank of America freeze the unemployment insurance benefits, which made it very difficult for me to unfreeze my prepaid debit cards or to report fraudulent use of my cards. Identity theft affected eligible cardholders with legitimate prepaid debit card accounts. 
In addition, the bank denied some notices of error submitted by prepaid debit cardholders that the bank had previously investigated and paid. The bank told me they had agents available 24 hours a day, seven days a week, when in fact, it operated a more limited schedule for its claims call center and their website was frozen or was unavailable for several days due to technical problems. 
Bank of America automatically and unlawfully froze my account with a faulty fraud detection program and then gave me little recourse when there was no fraud, for the Bank didn't conduct a reasonable investigation. This put a low limit on unemployment insurance froze my account and left me needing the money. 

Information about my XXXX account : My online XXXX XXXX XXXX XXXX account With Bank of America shows that I have received payments from : XXXX XXXX- XXXX XXXX Total {$2100.00} XXXX - Sep/ XX/XX/XXXX Total {$2600.00} No benefits were received from XXXX XXXX To XXXX XXXX. Additionally, no benefit has been received from XXXX/ XX/XX/XXXX to XXXX/ XX/XX/XXXX. 
I have worked full time and have been out of work since XX/XX/XXXX, due to the XXXX XXXX in California. 

Please See the attachment ( XXXX ) : Statement from XXXX XXXX to XXXX XXXX History Driven XXXX Benefit from XXXX to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I told Equifax to reinvestigate the accounts related to XXXX XXXX XXXX ( previously held by XXXX XXXX XXXX  XXXX ). However, they stated that everything was complete and accurate but how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

Also refer to : 15 U.S.C. 1681 section 602 a 15 U.S.C.1681 section 604 A Section 2 15 U.S.C. 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) Also they aren't. even compliant with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have an account that was opened in my name by an ex girlfriend that i didn't know anything about. We broke up and she continued using it and paying for it with my account but I've never seen a bill. We have since broken up and she's moved out, and she must have stopped paying the bill even though i don't know where the statement goes to. Now i am being harassed by them to pay the balance and its for nothing that I've purchased and i don't have the money to pay for it. They won't help me go thru the fraud department. Please help me to get this straightened out and removed from my credit.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I called Santander Consumer USA XX/XX/2023 and previously also in XXXX of 2023 to get a letter of deletion to get their account off of my credit report. I settled the account with them already and I would like it removed. Each time I called, the representative stated they dont do courtesy deletions or send letters of deletion. I was under the impression that whenever I settled the account with them, that I could get it removed from my credit report. I will also be reporting them to my state attorney general 's office to see if I can get it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CL Holdings LLC
State: IL

Complaint narrative:
I called numerous times and they keep staling and don't want to talk to me. They sent me to collletion for a amount of XXXX and I have never bought anything from them and the put on my credit report that it was opened in XX/XX/2023 and that it was a joint account and they won't tell me who the other person is. I don't owe this money it was not me I think someone stole my identity and they won't talk to me. I called the Collection agency and the guy said he was going to charge me money to fix it. But I don't owe the money. So why should I have to pay to fix it? I think I'm being scammed they took my identity. This is not me, I need help fixing it. Somebody's got ta know something. XXXX XXXX XXXX in XXXX, Alabama. Is the people that sent me to the collection agency? 
The collection agency 's name is Jefferson capital systems.XXXX XXXX XXXX XXXX  is the guy I talked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I opened a savings account, Savings - XXXX, with Marcus by Goldman Sachs. My account was closed by the institution without notice with a balance of {$1100.00}. The funds still haven't been returned. Please instruct the institution to return the {$1100.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had asked both my bank and CashApp to dispute a transaction with an individual on XX/XX/2023 for {$100.00} for online services which they failed to complete thus making it useless, and promised to send the money back but failed to do so. After opening a dispute with XXXX  XXXX XXXX, CashApp denied the claim deeming that they completed their end of the transaction by moving the money from my account to the other persons. 
As you can see from the pictures below, the person in question gave me their CashApp ID previously, which is the same one I sent the {$100.00} to, and the photo shows a couple hours after the money was sent that they stated they had to cancel on my due to personal issues and agreed to send the money back but failed to do so as can be seen by their and my own transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
Hello. About 2 years ago I took out a payday loan. They sent me to collections and it went to ; CENTRAL PORTFOLIO CONTROL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) XXXX We settled for less the amount due on XX/XX/XXXX. And I was to make 2 payments of XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I paid them off and they have yet to send me proof that is paid. I have tried calling them and they keep sending letter in mail but it never gets there. They also still have a balance like I havent paid off the collection. And on top of that they havent removed the lien from my vehicle. I dont know what to do anymore I have already paid them. 

They keep giving me the run around and the lien hasnt been removed from my vehicle I have attached below the balance that I owe and what I have paid already. Even tho it was settle for less than amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus experian, XXXX, and XXXX about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
i UPDATED MY EMAIL ADDRESS ON XX/XX/2023 AND ALSDO DELETED THE OLD NUMBER THAT I NO LONGER OWN. 

SINCE PERFORMING THE UPDATE, I HAVE BEEN UNABLE TO ACCESS MY ACCOUNT, CHECK BALANCE, OR EVEN ACCESS MY FUNDS. 

I AM REQUESTING THAT CAPITAL ONE RESOLVE THIS IMMEDIATELY TO AVOID HAVING TO FILE LEGAC ACTION RELATED TO THIS CASE. 

I CALLED CAPITAL ON AT XXXX ON XX/XX/2023 AND THEY STATED THAT THEY DID NOT KNOW WHY I WAS UNABLE TO ACCESS MY ACCOUNT. 

THE ACCESS ISSUES ARE STARTING TO AFFECT MY LIFE AT THIS POINT. I AM EVEN UNABLE TO PURCHASE GAS TO GET HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX left to remove the following accounts completely from my Credit File

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately 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

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Loan Servicing won't return my escrow refund. 

Account # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX I called them on XX/XX/XXXX asking for my refund on a loan that was paid off on XX/XX/XXXX. 

I was told they had 20 business day from the pay off to mail XXXX a check ( XX/XX/XXXX ). 

I called on XX/XX/XXXX and asked about my refund. Agent ID XXXX told me the check had been mailed on XX/XX/XXXX. I questioned that b/c I called on XX/XX/XXXX and was told it would take a full 20 business days after my loan was PIF. 

I was routed to an escalation manager Agent ID XXXX who said they would over night me a check and he would call me to update me. 

I received no call back. 

I called today XX/XX/XXXX and was told by Escalation Manager XXXX that PHH had 60 days from the date of loan pay off to send me a refund check. I said that is simply not true. That I had in fact checked and the first operator that I spoke to on XX/XX/XXXX was correct. 

They told me they would not send me a refund check until a full investigation had been completed to locate the check. I said " full investigation? You just see if the check has cleared. 

They won't send me a new check. 

I have call logs on my phone showing when I called and how long I was on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MA

Complaint narrative:
Penny Credit as agents of XXXX who wouldnt remove the hold from my account stating that I needed to pay it to remove the hold forced me to pay Penn Credit Union because I was at the RMV and wanted to pay my registration renewal. They after being paid for the ticket number XXXX which is reference for invoice number XXXX stated that I only owed {$3.00} and despite any collections should have not had a hold on my account because they had sent to collections improperly or were only owed what they sent and is visible on said ticket & invoice respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Freedom credit card, and when I go to log in online it now asks me to accept a Digital Services Agreement which is 125 pages long. I am not going to read through such a long agreement with Legalese which is obviously in favor of Chase Bank. Why can't they just include any changes that are being made to the original services agreement I signed when I opened the account? It is obvious they want people to just shrug their shoulders and sign the agreement without knowing what they are signing or the risks to their account or credit. Is their any recourse that customers have to amending or eliminating such an agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: WI

Complaint narrative:
I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the Hard Inquiries that does not have any purpose on my credit.

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 2023-08-01 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: TX

Complaint narrative:
XXXX XXXX sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. XXXX XXXX knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.

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