vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these 5years and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed a secured credit card account with Capital One in XX/XX/2021 after they restricted the account from use. The secured account had a deposit of {$870.00} Capital One refuses to give back. They are asking for documents from the bank I was paying from that I have already provided numerous times. They continued to take payments from that very account while it was restricted yet won't pay back my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX my wife and I purchased our first home in California. Due to CA tax law, the original tax bill for our home was set using the original assessed home value ( taxes of the previous owner ). This tax bill was {$2800.00}, which is substantially lower than the total taxes we are actually responsible for, which are set on our purchase price of the home. For this reason, we are also required to pay two supplemental tax bills, one for XXXX XXXX XXXX ( prorated to our purchase date ) and another for XX/XX/XXXX to XX/XX/XXXX. These two supplemental tax bills total {$2200.00} and {$6700.00} ( each split in two installments ). Since XX/XX/XXXX, we have paid about {$12000.00} into escrow, which includes the " total '' tax rate : both the original tax bill and the supplemental taxes. In other words, we have paid the supplemental taxes into escrow, as required under the terms of our loan. 

In XX/XX/XXXX, I sent copies of our supplemental taxes to our mortgage servicer, BSI financial, and requested that they be paid from escrow. Despite confirmation of receipt, and assurances from BSI, these bills were never paid. Since then, I have contacted BSI 5 times in attempt to get these bills paid, and have been told each time that they would be paid. Now, the first installments of both bills are three months late, and BSI is completely negligent and unresponsive. 

I am requesting that BSI pay the taxes as stated on our supplemental tax bill from escrow, plus the late fees that their negligence is responsible for. The late fees total {$110.00} and {$330.00} for the first installments of the two supplemental tax bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I mailed a cease and desist communication of an alleged debt to Santander Consumer certified mail. Santander Consumer received my cease and desist letter on XX/XX/2022. Santander consumer is still communicating this debt indirectly through the credit reporting agencies. 15 USC 1692a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Credit reporting agencies are the medium that Santander Consumer is still communicating this debt indirectly too. 15 USC 1692c ( c ) Ceasing Communication, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have documentary evidence from Santander Consumer willfully acknowledging receipt of my request, yet Santander Consumer is still willfully and knowingly communicating to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I was given a gift card XX/XX/XXXX of which I lost. I called the company and told them it was for {$50.00} and that I had spent {$21.00} of that XXXX, and there was a balance of {$29.00} on the card. they sent me a new card I had to wait for over a month I was the {$29.00} was still locked, and I could not us the new card. They told me they they didnt know how to unlock it and they promised to send me a check for XXXX dollars that I should have gotten by XX/XX/XXXX. The case number is XXXX XXXX by XXXX on XXXX 
I called to today, and XXXX told me I must wait another 21 business day. This is ridiculous, please help. I want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
{$5700.00} of money my son sent to me, that we have proof/receipts of, were not credited to my checking account and Chase Bank says that there's nothing they can do about that. After I completed an analysis of my account on XXXX XXXX, XXXX for ( XXXX ), I discovered the following : 1 ) my account showed each transaction in/out until XX/XX/XXXX, 2 ) XX/XX/XXXX 1st missing direct payment 3 ) the end of XXXX XXXX a new pattern of 2-week delay was discovered, 4 ) XX/XX/XXXX shows another delay AND 5 ) Improper merging of transactions by Chase Bank, 6 ) XXXX XXXX shows another improper merger of funds from two different people, 7 ) XXXX XXXX {$1000.00} was never recorded coming out or going in and 8 ) the MAJORITY of discrepancies appear to have occurred around the last quarter of XXXX. 

XXXX XXXX I notified chase via secure mssg and on XXXX XXXX, XXXX, I received their reply which directed me to call the number on the back of my card ( which I'd already did ... NINE TIMES! Mon. XXXX XXXX, XXXX spoke to approx. XXXX representatives ; the first 3-4 were helpful ( XXXX, XXXX, and XXXX more ). Chase discovered ALL my transactions were NOT showing up on my desktop, they corrected that problem. Chase could see transactions that I could not until I downloaded my bank statements. Initially Chase could not see the specific missing monies, but gave me credit for a few in XX/XX/XXXX. 

I downloaded XXXX XXXX & XXXX XXXX & analyzed them to see if I could resolve the discrepancies, I could not. Chase told me to complete a listing all missing monies & call Retail Claims back at XXXX Option # 2 and report ALL missing moniesthis is when Chase changed their story After I completed the analysis of XXXX, I called back several times and reached the following five CSR 's XXXX XXXX, her supervisor XXXX, XXXX, XXXX and XXXX & her supervisor sent her an internal communication to tell me, Theres nothing Chase can do for me ''. All stated that because they can not see the missing money, they cant help meperiod the end. 

These all are payments from my son to me. XXXX XXXX has provided electronic receipts with dates, times, transaction numbers and amounts reflecting the money was sent to my Chase checking. I don't think Chase should refuse to look into this very serious matter because if I can provide proof that money belongs in my account and they decide to accept some and deny others, this bank, their policies and staff needs to be scrutinized/EXAMINED. Where is the voice of protection, support, advocacy for the small financial customer? I need the money that my son sent to me totaling {$5700.00} to be credited to my checking account. It's not right that Chase turn a blind-eye to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a 1033-c from Truist bank and after looking up this financial institution I found that it was Suntrust. This stated they discharged a debt of XXXX -- I have no idea what this would be. I did find out it was a joint account and may be under the name of XXXX XXXX XXXX since it was not paid after our divorce. I have never received any correspondence about this debt until I received this 1099-c in the mail. I tried contacting this bank with help about this and got no response at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: SC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX and Transunion will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently opened an account with Chase bank in XXXX because I moved to Georgia and my current bank XXXX XXXX  does not have locations at which I can deposit checks. I deposited XXXX checks through the Mobile banking app on XX/XX/XXXX The first was my GA state tax refund check, the second check was my escrow refund check from my mortgage company XXXX XXXX. The third check was dividend check from XXXX. They put the checks on hold for 8 days. They made the funds available on the XXXX of XXXX but then 2 days later debited all of my money. When I called chase on XX/XX/XXXX I was not notified that my account was flagged. I noticed my money was debited on XX/XX/XXXX So I called chase customer service line but they would not speak to me. I was told I had to call a special department, Which I tried for several days I was on hold for hours the call back service option wasnt working I was thrown back into the queue waiting almost 2 hours. Finally able to reach the dept on the XX/XX/XXXX at XXXX and spoke to a representative who informed me they couldnt validate the checks. Which didnt make any sense as they placed the extended hold on my checks. After being on hold for several minutes as the rep said he would need to contact the maker of the check to ensure the funds were payable to me. They flagged the checks as fraud and closed my account. The representative then stated he would call to verify the checks so while on hold the call dropped no one attempted to return my call. I called back again spoke to a different representative who was not helpful he stated the checks cleared however they wanted to verify with the maker of the checks to verify it was issued to me. They refused to do anything further but wanted me to provide them with contact information for the checks. Why do I have to provide burden of proof for checks that cleared just to satisfy their suspicions of fraud. I feel I have been discriminated against as the checks were legally issued to me by reputable sources. My name, address information on the checks all matched the account information. They have no reasonable explanation for their actions. The supervisor I spoke with was not helpful and offered no solution other than to tell me their policy with no end date as to when my money will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: PA

Complaint narrative:
Lost my main wallet with my personals SS, babyphoto and 2 cards. I thought I was okay until I saw weird accounts popping up 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 non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MD

Complaint narrative:
I have a Certificate of Deposit of which I have never seen because the bank has refused to release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management INC. Has cease to provide everything I attached in my letter. 

Please provide this information that I am seeking, instead of he say she say.. 

-Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : If you can not provide these simple documents, it is a XXXX violation, accroding to {$800.00}. Validation of debts XXXX XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
The information being reported is incorrect and should be deleted and or updated : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation