vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My checking account is missing and inbound external ACH transfer amount of {$3000.00}. The external ACH transfer reference number is : XXXX. I have contacted customer service several times since XX/XX/2023 and created multiple cases, disputes over phone but have not received any confirmation of my complaint by letter or email. No one reached out to me so far. My Citibank case numbers are XXXX, XXXX and XXXX. 


In XX/XX/2023 I have deposited a total amount of {$6000.00} to my Citibank checking account including one XXXX deposit of {$3000.00} and ACH deposit of {$3000.00}. But currently my accounts has balance for only {$50.00}. 

The transaction entry for XX/XX/XXXX for withdrawal amount {$3000.00} shows a description that has text like ACH reversal for XXXX dated XX/XX/XXXX. 

My CPFB complaint numbers related to this case are 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 monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$230.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I submitted an application for Maryland 's HAF program. Pursuant to Md Law if a borrower has a pending application for HAF the servicer can not move forward with the filing of the Final Loss Mitigation Affidavit which starts the path for mediation and ultimately the foreclosure action in court. I notified the servicer, Planet Home Lending in XX/XX/XXXX, that I had a pending application via email. I then issued a written Notice of Error letter stating that I had an application pending. That letter was dated XX/XX/XXXX, and confirmed received by Planet Home Lending on XX/XX/XXXX. Despite this fact, Planet Home Lending filed a Final Loss Mitigation Affidavit on XX/XX/XXXX, which has started the foreclosure process to move forward. All in violation of Maryland law and the CFPB guidance for servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

Complaint narrative:
Ive frequently checked my credit report and noticed that the errors and false misleading information for individual accounts dont quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2023-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXXXXXX XXXX : Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XXXXXX/XX/XXXX : I filed a dispute with XXXX XX/XX/XXXX : Dispute completed by XXXX, reported that the account was not fraudulent which is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Capital America ( HCA ) didn't honor the complain submitted on XX/XX/2023? Ref. # XXXX. 
HCA Completely act to evade the question of why my extension of credit was denied by HCA in a Consumer transaction, no one can't be denied of their own credit. give you evidence that my credit was pulled by XXXX with HCA on it. nothing about dealership. This is issue between creditor that obtain my credit on a credit report and the consumer. Under 15 u.s.c. section 1692e HMF is in violation : for False and Misleading Representation, Under 15 u.s.c. section 1611 XXXX  is in violation : criminal liability for willfully and knowingly violation, Under 15 u.s.c. section 1681o HCA for : Civil Liability for negligent noncompliance, for violation to not extend credit on consumer transaction.

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 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A.
State: FL

Complaint narrative:
I received a letter of demand for a payment of {$270.00} on behalf of an alleged creditor XXXX XXXX. XXXX XXXX has breached and refuses to answer or follow up with my investigation into this matter and a complaint has been filed with XXXX as a provider for breach of contract. I have paid XXXX services as agreed and have a contract with them regarding equipment that was installed in my residence. XXXX XXXX was a third party provider that did not honor the contract as agreed by XXXX. There should be no balance or money due! This is my final attempt at resolving this matter before civil litigation is pursued against XXXX XXXX and your lack of investigation for requesting proper documentation for any and all transfer of debt as required. I wait for your response in order to further resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was scammed out of XXXX dollars. I applied online for a loan and somehow scammers got my information. They deposited money into my account and called me and threatened me that I had to send it back ( through the payment platform XXXX XXXX. The money they sent me disappeared from my account, therefore the money I sent them was mine. I bank with pnc which uses XXXX through there Mobile banking app. Pnc refuses to refund me. I contacted pnc immediately letting them know I was scared and had transferred the money back, and pnc did nothing about it. This all happened on XX/XX/XXXX, I just realized yesterday that the money these people had sent me disappeared from my account and that they stole my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CL Holdings LLC
State: CO

Complaint narrative:
This account is not my account. I have previously disputed this account and it was removed. Then was later added back. My identity has been stolen multiple times. Around the same time this account was open there was approximately four other cell phone accounts, open and a three month period. Obviously fraud. I previously asked them to send me a debt validation letter in the mail and they sent me a bill. They can not provide me with my whole Social Security number, and they have the original address on the original account incorrect. Wrong apartment number. Id like this removed from your credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TX

Complaint narrative:
I have been dealing with ID theft for some time now! It has become extremely difficult to work with the credit bureaus when disputing things. The account that I am about to list is another one that has pop on my credit file that does not belong to me. 

Please see account reporting on my Experian file XXXX XXXX Balance {$1000.00} Account # 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 2023-02-27 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: AZ

Complaint narrative:
Please Advise That You Are Reporting The Wrong Address Information Listed In My Report. The Report Number is [ XXXX ] I am in the process of a new transaction and the error is causing a major problem with reporting properly " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Are Both " Non Mailable Address '' ... Can you please explain where you obtain this information? 

My current and only address and mailing location is XXXX XXXX XXXX XXXX XXXX Az XXXX. 

Please Remove the following addresses from my consumer report " XXXX XXXX XXXX XXXX XXXX Az XXXX '' and " XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX they do not belong to me and are being reported in 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 non-monetary relief
Consumer complaint received 2023-02-27 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:
XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXX XXXX XXXX Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XX/XX/XXXX : I filed a dispute with Equifax XX/XX/XXXX : Dispute completed by Equifax, reported that the account was not fraudulent which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I totaled my vehicle finance through synchrony bank back in XXXX. Synchrony bank has giving me a problem with paperwork for insurance company since XXXX. I have gotten 60 days late payment. All because their system is over the phone only they dont take my bank debit card for payments. Its been a headache since I purchase the vehicle last XX/XX/2022. I talk to one nice gentleman that got it all done in 2 business days. After it has ruined my credit. Im so heartbroken. I worked so hard for my credit. They will not even get the credit bureaus to take it off nor will they take off all the late charges.

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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: RI

Complaint narrative:
I got notice of this debt via calvary portfolio by mail one time, the paperwork had no information about where this debt came from. I tried resolving this by contacting calvary portfolio directly and they told me that they didn't have any records of the debt at the time which left me in a position to not be able to track down where this is coming from. However, on my credit report calvary portfolio is still showing up as a derogatory collections mark and is hurting my progress trying to rebuild my credit. I have no knowledge of where this debt is coming from or what it could be and its been almost a year or more of this negative mark keeping me from improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NJ

Complaint narrative:
I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how XXXX violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I do not recognize this debt, it is past the statute of limitations, they are also parking this debt illegally on my credit reports, with no collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 non-monetary relief
Consumer complaint received 2023-02-27 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: AL

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have an XXXX XXXX  XXXX. I accepted the offer for this card in XX/XX/XXXX. It had an introductory interest rate of 0 % for 12 billing cycles. This was for both purchases AND balance transfers. 

On the first two statements I saw that they charged me interest on the balance transfer that I made from another card. Today ( XX/XX/XXXX ) I called to dispute this and was told that the interest rate was 24.49 % for balance transfers ( and 0 % for purchases ). I explained that the offer had been for 0 % interest rate on balance transfers. I explained that I had the 'Accounts Summary Table ' in front of me, which came with the card that confirms 0 % interest on balance transfers ( for 12 months ). A copy of this is being uploaded with this complaint. The associate I talked ( very politely ) to seemed not to believe me when I said I had that confirmation. She said that she could do nothing about this because I had accepted a card with 24.49 % interest on balance transfers. I reiterated that I had not accepted that and that I had confirmation of the 0 % offer. 

The amounts of interest that they have charged so far are {$68.00} on XX/XX/XXXX, and {$65.00} on XX/XX/XXXX. I expect that I will get a interest charge on XX/XX/XXXX too if this is not sorted out. 

Thank you.

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