vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 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: SLM CORPORATION
State: GA

Complaint narrative:
I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from Sallie Mae, XXXX reported to Sallie Mae that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and XXXX. When I called XXXX to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until XXXX is showing accurate information. I do not have any delinquent student loans and I only have one servicer, XXXX, who has confirmed my information as in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: MI

Complaint narrative:
I am submitting a complaint due to unauthorized inquiries on my Experian credit report. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows XXXX inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation to my character and livelihood.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Finance Company, Inc.
State: IL

Complaint narrative:
Pursuant to 15 USC 1692c ( C ) ( 2 ) I am notifying Professional Finance Company in writing that this debt does not belong to me. I am demanding that you cease all forms of communication with me through all mediums. Including but limited to phone calls, text messages and reporting to credit reporting agencies. Pursuant to 15 USC 1692c ( C ) ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account, delete from all consumer reports and pay {$2000.00} to compensate me for every violation. 3 Federally Protected Consumer Rights Violations. ( 1. ) 15 USC 1692d ( 5 ) - Causing a telephone to ring or engaging any person in telephone / text message repeatedly or continuously with intent to annoy, abuse, or harass and any person at the called number. ( 2. ) 15 USC 1692b ( 2 ) - Shall not state that such consumer owes any debt. ( 3. ) 15 USC 1692b ( 5 ) - Not use language or symbol in contents of any communication effected by mails that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I started an account and had every intention of using the account. My other accounts have XXXX figures in them. About XXXX months ago I started receiving {$25.00} fees on the account. When I called in 60 days ago the representative told me that she fixed this for me, I would not receive any more fees and credited me back the {$50.00}. Now I have received those fees again and they are refusing to credit me back those fees. Call XXXX XXXX, XXXX told me that he assumed I was given proper counseling to avoid this situation and that is incorrect. I have been with Bank of America since the XXXX 's and I can not believe I am being treated this way, especially by a member of management. Being in customer service myself I know that they are better than this as I have never had poor service like this in the past. I am requesting that the {$50.00} be credited back to me.

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 2023-07-27 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-27 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: VA

Complaint narrative:
Submitted a dispute through Transunion and that collection account was deleted from my report. Today, that account reappeared on my credit report without providing reinsertion notice which is mandatory according to the FCRA 15 U.S. Code 1681i. 

This is the account XXXX XXXX XXXX {$4700.00}

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 2023-07-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
XXXX XXXX is notoriously bad for having their offices not keep, or losing, records of customer payments and resolution when conducted in person. My bill was always paid on time, prior to my moving. I canceled my service 14 days prior to my move this was done through customer service by phone. I returned my equipment- apparently the service wasnt turned off - the office rep in person said she corrected this and my account was taken care of. I owed nothing. Now, theirs is a debt collector that is basically extorting and abusing their ability to negatively impact my credit scores if I dont pay them. This is coercion, they are not XXXX XXXX. I have disputed twice and, after researching their practices, they have a history of this kind of behavior. They should not be rewarded with a livelihood funded by consumers being extorted. I am a XXXX veteran with XXXX and this is very triggering and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, my spouse and family were relocated to XXXX, XXXX because my husband 's career supports the well-being of the XXXX XXXX XXXX XXXX soldiers. 

On XXXX XXXX, XXXX, we returned from XXXX to the United States ( to Ohio ). In XXXX we purchased a XXXX from XXXX XXXX in XXXX, XXXX. We paid {$600.00} extra to have this vehicle returned to the XXXX using their " white glove '' service. 
On XXXX XXXX, XXXX, our XXXX XXXX XXXX arrived in Ohio XXXX XXXX ) after a XXXX delay, sitting at a port in XXXX. 

The XXXX overseas shipment program has been less than satisfactory and promises more than it delivers to XXXX soldiers and diplomats. We have encountered various issues along the way. Truly the only benefit to paying that much money was so that our vehicle was delivered closer ( in proximity ) -- that's it. Our current Volvo Rep at XXXX in XXXX, OH, is terribly unaware of the process. I do believe that Americans are being ripped off repeatedly overseas, specifically in XXXX at our military bases, due to over promising and under delivering. Who is overseeing and keeping these business practices ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
THIS COMPANY IS NOT LICENSED IN FLORIDA FOR COLLECTIONS AND IS TRYING TO COLLECT A FALSE MEDICAL DEBT FROM ME THEY ARE NOT LICENSED IN FLORIDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have two accounts with this bank. I have been waiting for over a month to receive my cards and have never received the cards. I contacted the company but they are not very helpful they reported the cards and the " balance '' to my credit report however I never received the cards. They need to expedite the cards this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TN

Complaint narrative:
My loans are all consolidated, therefore ; it should show one loan not 15 open accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: OH

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX 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 XXXXXX/XX/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 2023-07-27 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: NC

Complaint narrative:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Suntrust  Truist checking account has been blocked since XX/XX/XXXX. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/XXXX. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. I can not withdraw or move funds, though my statement and online banking shows a balance of {$1700.00}. 

I have had no access to {$1700.00} of my money ( from my pay ) for over 17 months! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

I have called the Fraud number repeatedly ( XXXX ) but have been told each time to go to a branch for resolution. 

In XXXX of XXXX I called every day, only to be met with 4 hour wait times, to be told to go into a branch.

I have visited my local Truist branch six times in the past 17 months. Each time, the bank officer has made phone calls to corporate to get the hold removed, but on no occasion have they been successful. Each time, they have told me that they would call me back with their findings, but they never called me back. The address of that branch is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Phone # ( XXXX ) XXXX. 

I have received no letters at all from Suntrust or XXXX about an investigation, or time line of it. According to my statements, my checking account still has {$1700.00} in it, but I can not access it. 

I understand that the account is closed, however it is still showing a balance of available funds of {$1700.00}. I need a bank check from XXXX payable to me for the full amount of {$1700.00}. 

I am in extreme financial hardship and I need access to that money now. If I can not get access to that money, I will have a significant mental breakdown.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account, as follows : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/XXXX to XX/XX/XXXX and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 

I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX XXXX. I have made XXXX debit card transactions that were posted and cleared in my new checking account within 60 days of account opening. 

After meeting all requirements and before I received my {$400.00} bonus, Citizens Bank notified me that they have closed my account on XX/XX/XXXX. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the clear terms and conditions the Bank is legally required to pay me the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hello XXXX reporting the discover and the radius account that its not mines discover states that its a charge off but still have been reporting past due payments radius dont belongs to me

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 2023-07-27 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt collection company is to threatening to take legal action which is illegal and unlawful pursuant to the FDCPA 15 USC 1692i ( 2 ) ( a ). As the consumer and natural person, this debt collector head not been given my permission nor consent to contact me using any medium, which shows they violated 15 USC 1962c ( a ). Debt Collector is also in violation is several federal laws such as 15 USC 1692b ( 5 ), which states a debt collector can not utilize any language or symbol on any communication that indicates the debt collector is in debt collection business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Hello, I have received letters from the following companies and I would like them to stop harassing me and sending letters. 

The name of the company is the following LVNV Funding LLC they sent a letter on XX/XX/2023 stating that I owe them XXXX. I've never done business with this company. 


I did a dispute with all XXXX credit bureaus and they removed the collection off my credit but, the credit bureaus then placed the collections back on my credit causing my credit score to plummet significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MI

Complaint narrative:
The company placed a collection on my credit report. I have disputed this debt several times through the credit bureau as not mine and asking for validation. In response, the company submitted a standard note agreement that could have been completed by anyone. The note agreement was missing the following : - Signature page with a wet signature - Copy of the ID of the person signing the note agreement - Original creditor contact information I believe this to be a violation of Regulation F, FDCPA, and FCRA guidelines as they have provided no information to confirm I owe this debt or that I originated this debt conclusively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
United Collection Bureau Inc is in violation of Privacy Act of 1974. UCB has obtained private information without my consent to use against me. This is identity theft. I received a misleading and deceptive settlement offer from their company on an account that does not belong to me as I have no legal obligation to UCB. Under the FDCPA, they continue to be in violation. consumer will take it a step further in seeking remedy per 15 USC 1692k. Consumer will follow this complaint with a complaint with the FTC for identity theft and fraud, as well as federal lawsuit unless they CEASE and DESIST all current and future collection activities and communication activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: MS

Complaint narrative:
I BEEN CONTACTING XXXX AND EQUIFAX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( XXXX ) XXXX XXXX EMPLOYEES ( XXXX ) XXXX XXXX EMPLOYEES ( 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 2023-07-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
someone opened up a credit card in my name and used it

Company response to consumer: Closed with explanation