vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: FL

Complaint narrative:
On Wednesday XXXX, I visited the XXXX OH branch location to file POAs for my grandmothers accounts. She has XXXX CDs with US Bank. I provided POA forms and the branch manager said that the information I needed in the POA forms was there and set an appt. On Friday XXXX, I met with XXXX. I articulated that the POA had already been scanned into the system, and she said she still had to provide to Legal. I explained the specific information wanted for the accounts. XXXX took XXXX minutes to make copies of documents she already had on file. She additionally photocopied and submitted my drivers license which Legal told her was not needed. I am an efficient professional that used to work for this financial institution and multiple others. XXXX did not adhere to procedure, was not efficient with my time, provided incorrect ancillary information to Legal, and I felt as though I was discriminated against as I am from out of state. My grandmother has POAs for a purpose. Because XXXX took so long, I had to leave the appointment with nothing accomplished. Now my uncle will have to repeat this entire process at another branch. It was an excessive waste of time, and because I left the appointment, XXXX reached out to all numbers listed on the account trying to contact my grandmother. It was overreach and judgment on her part that was beyond inappropriate. Legal documents are established for a purpose. We now will continue to have to go through a process that US Bank has already caused to take XXXX weeks for us to update accounts appropriately. Its beyond ridiculous. I live out of state and I as trying to resolve this before leaving as we have no US Bank branches in our region. In addition, the IRA department of the bank can not save POAs and you have to go through this ridiculous process each time you ask for information. The IRA Dept advises you to go into the office as it makes the process faster. After XXXX minutes, I still hadnt gotten anything done. Processes and procedures must be updated for efficiency. This is elder abuse and discriminatory because one banker judged a situation from their own perspective. Further, I reached out to the Branch Manager who was helpful, but the regional manager did not return my phone calls. US Bank is predatory, excessively difficult to work with, and not consumer friendly.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$3600.00}, XXXX XXXX {$17000.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$260.00}

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 2024-10-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX : # XXXX, / Account name XXXX XXXX  : # XXXX, Account name XXXX : # XXXX, / Account name XXXX : XXXX XXXX, / Account name XXXX XXXX : # XXXX / Account name XXXX : # XXXX, / Account name XXXX XXXX XXXX  : # XXXX # XXXX Account name : XXXX XXXX  # XXXX XXXX, / Account name XXXX XXXX XXXX : # XXXX XXXX Account name XXXX XXXX  : # XXXX, / Account nameXXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX Account name XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX : # XXXX, / Account name XXXX XXXX  : # XXXX, Account name XXXX : # XXXX, / Account name XXXX : XXXX XXXX, / Account name XXXX XXXX : # XXXX / Account name XXXX : # XXXX, / Account name XXXX XXXX XXXX : # XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX, / Account name XXXX XXXX XXXX : # XXXX XXXX Account name XXXX XXXX  : # XXXX, / Account nameXXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX Account name XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
For starters, any current information is not reflecting an up to date status per my online portal account with Mr. Cooper. Which is strange because I recorded my conversation with them when I called them last week to speak about missing my XX/XX/year> mortgage payment. While waiting to speak with a representative, within XXXX minutes of being on hold, the automated system declared I am more than {$17000.00} behind in payments. Several minutes later I am connected to a representative- only after being disconnected twice- as she and I began speaking, her line of questioning was everything to do with me needing to immediately agree to a specific date to make multiple payments. Upon my, specifically, asking her " why am I being charged the equivalent of 3 months of payments for missing 1 month? ". She responded with a slew of -what I call- {$100.00} dollar words that sounded like a foreign language to me. Also, essentially I was told that making XXXX payment on time would actually be credited to the missed payment. So I feel trapped and forced into missing more payments that will complicate an already dire situation for me. I am all I have in this world. I am desperately trying to get a second job to alleviate this situation but at my age, I don't get much consideration. More so, being known as someone who lives with XXXX seems to encourage others to avoid me. But I digress. Why can Mr. Cooper charge me 3 months of payments to catch up XXXX missed payment? Again, I did record the phone call and I have proof they are telling me these things. They have not provided any paper trail with an itemized explanation detailing their reason for charging me so much money to catch up XXXX missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
The debt was paid to the original creditor ( XXXX XXXX, AS CONFIRMED by XXXX ) and the debt collection agency reported the closed account to my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MD

Complaint narrative:
I recently reviewed my XXXX credit report and noticed an outstanding education loan serviced by MOHELA that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with XXXX, but they told me they verified with MOHELA that the information is accurate. I contacted MOHELA on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX PH # ( XXXX ) XXXX Subject : Request for Validation of Debt Dear, FOX COLLECTION CENTER I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt.

Please send me written verification of the debt, including the following : The amount of the debt.

The name of the creditor to whom the debt is owed. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice.

A verification or copy of the judgment against me, if applicable. The name and address of the original creditor, if different from the current creditor. Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: TN

Complaint narrative:
I disputed the debt with XXXX and the other credit companies. They will not show in my credit file that it has been settled. Ive tried several times. I work hard to try and work in my credit. I also pay off my XXXX  XXXX cards every month but this has not helped my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX I, XXXX XXXX XXXX XXXX am submitting this complaint to request that the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within four business days of receiving this complaint. 

The fraudulent accounts, including KIKOFF Lending LLC ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting 30 day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have 30 days to provide this information 30 days allotted by FCRA.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
I made XXXX final payments to pay my student loan in full on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$560.00} ). These payments have never been applied to the account, despite me making many phone calls, emails, and providing the detailed payment information from my bank. They continue to send me monthly notifications that my account is past due, and when I contact them, they indicate that they received the payment information and are " elevating '' the account. Yet, it is never resolved and no one ever calls me or emails me. To date, I have made the following attempts to resolve this : XX/XX/XXXX : I sent the first email indicating the payments that were made to pay the balance in full, providing the address and details of payment. 
XX/XX/XXXX : Ed Financial responded with instructions on how to submit payment details from my bank. 
XX/XX/XXXX : I emailed the requested payment details with tracking information from my bank. I asked the bank to contact them directly, but Ed Financial would not discuss without me on the phone. I received no response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called and asked for this issue to be elevated. They promised a call back. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called. They confirmed they received the payment information, said they would elevate it, and promised a return call. I never received a return call. 
XX/XX/XXXX : I sent a follow up email. I received a response that they promised they would research and get back to me. I never heard from them. 
XX/XX/XXXX : I sent a follow up email. They responded saying they would elevate and promised to get back to me. I never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion both failed me. After noticing incorrect information on my reports, I attempted to resolve. They've consistently done nothing. This includes no investigation, taking over 30 days for failed resolution, fraudulent inquiries, missing accounts, terrible customer service, and lack of contact. After being a victim of fraud, with a police report and FTC document, I filed disputes for inquiries I hadn't done. They both failed to remove fraudulent inquiries, research my issues, or care. Now I'm losing more money and time because, I just payed a {$10000.00} retainer to sue both bureaus for defamation, breach of contract, and intentional emotional distress. This is tiring. They sent irrelevant follow-ups that didn't address any of my concerns.

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 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hi, I booked a XXXX stay on XX/XX/year> for a trip to XXXX on XX/XX/year> - XX/XX/year>. I was required to pay a portion of the trip the day I booked it. {$330.00} was charged to my paypal-issued debit card, ending XXXX digits XXXX, that uses money from my paypal balance and was paid to XXXX ; the transaction ID for this is XXXX on paypal. An additional {$59.00} was paid from the same paypal debit card for the insurance policy for the stay. 

On XX/XX/year> I received an email from paypal stating that my account is permanently limited. I was not given a reason, I was not asked to clarify any of the transactions, nothing. Not the end of the world but whatever. 

On XX/XX/year> I received an email from XXXX that the host has cancelled our reservation due to water damage at their apartment. The email states that the refunds have already been issued to the card I used to book the stay in XXXX. Problem is that the paypal debit card is limited, so it can not accept the refund. 

On XXXX I made my first call to paypal asking what happens to the refund. I was told by support that they could see the {$330.00} trying to be sent to my account, but it is unclaimed in their system. I was told worst case after 30 days it would automatically be sent back to the sender. I implored them to reject it sooner so I am not without the money as I try to book new accommodations only a week before the trip. Worth mentioning prices have more than quadrupled for similar accommodations and continue to rise as we get closer. 

I called daily to XXXX stating that paypal will not claim the refund. XXXX says they can not do anything until paypal rejects it and then they can get it to me via a different card. On the flip side, the insurance company I had to pay the {$59.00} from the same debit card also tried to issue me my refund. Due to it not being accepted by paypal they have since mailed me a check. 

I called paypal again on XXXX and talked to support for awhile. I was confirmed to that my account is permanently limited. He could not pull up anything to help see what the reasons were. After looking he told me that XXXX ) yes the standard policy for unclaimed funds is an automatic reversal to the sender after 30 days BUT XXXX ) because my account has no notes on it that they will not do the reversal for 180 days after the XXXX, the day the limitation went into place. 

So now, I am out my refund of {$330.00} because paypal will not reject the refund attempt to XXXX. 

At this point I do not care about getting my access to my paypal back. I am most worried about getting the money back as soon as possible. Holding funds for 180 days that are a refund should be a crime. And support does nothing but pass the buck and state they can not share specific details due to security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
XXXX payments of XXXX has not been applied to my account with flagship credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Account closed and I'm in SC needing my money ( available balance ) been victim of hurricane and in dire need of food and water. Was told numerous times money had been transferred and it had not. I'm on XXXX and it's my entire XXXX check {$1000.00}

Company response to consumer: Closed with explanation