vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX  XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX The debt collector filed a garnishment against me for {$3200.00} without deducting the {$2100.00} that he had previously received On XXXX XXXX from XXXX XXXX XXXXXXXX. The lawfirm also received money from XXXX payroll from my previous employer in which I will provide soon.. According to FDCPA this is clearly a violation because they must not misrepresent the amount you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company is trying to collect a debt for XXXX that Ive already paid directly TO XXXX XXXX XXXX. I have sent them proof of the settlement with XXXX countless times telling them to stop contacting me for this account. Hey they have been calling me, my workplace and my parents. Its absolutely relentless what this company is doing. I contacted XXXX XXXX  and asked them to send me proof of the settlement which I then forwarded the proof to portfolio. In ALL of my letters I demand that they stop communicating with me via telephone and they do not stop!!! If this account is not removed I will be contacting an attorney for the many violations they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I received this offer from Personify Financial in the mail. I responded to the offer because it said you can get a response within 24 hours and I applied. I went online to their site. I submitted my application provided my bank account number, routing number, my employer name, pay frequency, home address and my social security number. I was given several options of loan amounts to choose from along with the term length I chose {$3400.00} with a term of 36 months. When it came time for me to get the approval it took me to a page that wanted me to log into my bank account through their website. However, an error message appeared and there was no link for me to login to my bank on that page. I proceeded to open up a dialogue chat box which was unsuccessful. I was able to ask for a customer service number. I contacted the customer service and spoke with the gentleman who told me to take a screen print of the page that showed the error message and email it to them. I received an immediate alert on my XXXX XXXX credit bureau that there was an immediate hit to the inquiry on my credit. I explained to the customer service representative that the advertising says I should have an answer within 24 hours. I explained that there was no link for me to log into my bank account and secondly that my credit has already been adversely affected. This gentleman said after I send the email someone should get back in touch with me within a 24-hour period. I felt at that moment I've been scammed. The brochure I received was a method to get personal and sensitive information from consumers and the error message is there to prevent any offers of credit and that company had the data that they needed up to that point. 

Now I have to go and change my bank account information but this company already has my address, social security number and my credit score has been adversely impacted under false and fraudulent pretenses. 

Please look into this matter so that future consumer 's will not experience what I experienced today with this Personify Financial. 

Needless to say their interest APR rates were ridiculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Has Not Been Reporting My XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I had little to no help and was told to call the credit card issuer. 

I Called XXXX XXXX and was told it would take a while to report but I told them its been 7 months and Experian claimed to never gotten a Report. 

So now I dont know whos telling the truth or who is lying but my data needs to be corrected, 7months of credit history went unaccounted for on my Experian account.

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
i applied for an increase to my home equity. I was told that the title company provided a list of XXXX violations and i must show satisfaction to these XXXX violations in order to proceed with the closing. i pointed out to the bank that the XXXX violations is not a property that i live at, not a property that i own. In addition, i was told by an attorney that if my loan request and if my home is under XXXX XXXX, they can not deny my request due to XXXX violations in the name of a trust. This is not allowed to impact my own home to which i am applying for a line of credit. My own home is not owned BY XXXX XXXX XXXX XXXX see attached. Can you please intercede on my behalf to get my request granted? thank you. 
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 2022-04-13 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: FL

Complaint narrative:
On XX/XX/XXXX I made a deposit of {$500.00} to XXXX XXXX XXXX for a cruise that I was to take this summer. This deposit was made via a travel agent, XXXX XXXX and it was made with a XXXX XXXX. In XXXX of this year, XXXX. I reached out to the travel agent to cancel that cruise, the agent submitted a request to have the refund processed and that refund was processed on XX/XX/XXXX by XXXX XXXX in XXXX transactions of {$250.00} each to the original form of payment. In the following days, I monitored my credit card to check for the refund which never hit the account. After review on my end I realized that the XXXX XXXX  XXXX  originally used to make the deposit in XXXX of XXXX changed from XXXX XXXX  to Capital One Bank in XX/XX/XXXX and I was issued a new card with a new account number. When I contacted my credit card, now issued by Capital One Bank, they have no record of the refund. I then contacted the original bank that issued the visa, Comenity and they have no record of the old account at all which I can't understand. I spent over XXXX hours speaking with different reps, supervisors, etc to no success. The travel agent also escalated the issue to XXXX XXXX XXXX Research dept who confirmed the refund was accepted by the credit card and provided XXXX reference numbers for each of the {$250.00} refund. At this point, I don't know who else to call and no one can give me definitive answers as to the {$500.00} refund. I don't understand how the XXXX issued to me, even upon changing banks can not help or somehow connect the accounts. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 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: OK

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
The balance that shows on my credit report is wrong and I paid XXXX off and it still on my credit Moneylion XX/XX/2022 To whom it may concern, As per our request, XXXX XXXX, We would like to inform you that your MonevLion loan XXXX has been paid in full. The loan was opened on XXXX in the amount of {$500.00}. Your final payment in the amount of {$230.00} was received and posted to your account on XXXX. 
Should you have any further questions, please feel free to reach out to our Customer Service Support team during business hours at XXXX. 
Thanks for being the best part of MoneyLion! 
Best Regards, MoneyLion Support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2022-04-13 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: FL

Complaint narrative:
Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2022-04-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/22 I was unable to log into my Synchrony online account. A message reporting " We are unable to complete your request. Contact us at XXXX '' was displayed. I contacted Synchrony at that number and was told there was no hold on my account and that a ticket would be opened with tech support to fix the problem and to try again in 48 hours. I attempted to log on again after two or three days with the same error. I called support on XX/XX/22 and was told it could take up to 5 working days ( it had now been five working days ). I attempted again after a few more days with no success. Called support again on XX/XX/22, now 10 working days, and requested to speak to a manager who could take action to get this resolved. Was told I would be called back by the end of day. No call occurred. Called again on XX/XX/22, now 23 days without access to my account and asked to speak to a manager again. Was told they had contacted him by text and he was in a meeting but would definitely call back that day. No call back. Made my final support call on XX/XX/22, now 28 days without access to my account. Informed them not to bother with the fake manager call back promise and if the problem was not resolved by end of business day I would file a complaint with the CFPB. Of course it is still not fixed. This is the worst customer support I have ever experienced from any business. They have call log records of this entire exchange. Please make someone there accountable to take action and fix this problem so I can access my account. They have no right to be licensed as an online bank if they can not provide online access any better than this.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : CAPITAL ONE ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
I made an online purchase of {$77.00} with XXXX XXXX XXXX on XX/XX/21. My Capital One credit card was charged immediately. It's been over a year and I have not received the order I purchased and paid for. XXXX XXXX XXXX website still shows the order as unfulfilled. I have contacted the XXXX of New York for assistance and XXXX XXXX XXXX won't even respond to them. I asked Capital One for assistance for a charge dispute as I have been a loyal, excellent customer for nearly 20 years ; they did not investigate or reach out to the business. Yesterday they reposted the amount to my bill. I don't think it's right I should have to pay for an order I never received, is over a year old, the selling company is unresponsive to myself and the XXXX. Capital One didn't even take into consideration all the evidence and proof provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My phone was compromised and it led for scammers to transfer funds out of my account into another account. After providing a police report, notes from XXXX stating YES my account was compromised and speaking with over 4 dozen representatives Bank of America refuse to refund my XXXX that was token from account. After 42 days still nothing.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX management failed to comply with fair debt collection practices act, 15 USC 1692g. XXXX XX/XX/2022, I included in my validation of debt letter request of date of original charge off or delinquency and signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Company failed to respond with requests,

Company response to consumer: Closed with non-monetary relief