vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit 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: Marlette Funding, LLC
State: NC

Complaint narrative:
Best Egg has decreed federal law totally void and unenforceable- and is fraudulently charging me {$160.00} for services never received. They fraudulently stated that they the merchant simply had no obligation to provide the services to me and as long as they said they just didnt feel like providing services. A rogue and corrupt agent then falsified written bank records saying actual evidence of misconduct against me was provided- when it never was. However, because I was simply of the inferior race, the bank determined I had no rights because white people dont lie. The bank falsified records saying they did an investigation and that actual evidence of proving any misconduct was provided- when it never was ( this is what the agent was lying about ), when no investigation was ever done, and I had no opportunity to respond or was ever contacted to answer any follow up questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
Credence It has come to my attention that you obtain an account with the name " XXXX XXXX " from XXXX XXXX XXXX. You are hereby notified that you have Violated Federal Law and I'm requesting {$1000.00} per Violation of the FCRA You have Violated 12 CFR 617.7015 ( ii ) The qualified lender must obtain from the borrower a signed written consent to the sale. I NEVER GAVE WRITTEN PERMISSION TO THE SALE OF THIS. Further more before any information can be shared/reported on a credit reporting party such as XXXX XXXX and XXXX the consumer has the opportunity to Exercise his right of non disclosure of personal information to any 3rd party company. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credence. I Have never initiated, contacted, any sort of communication or anything with Credence. I demand this account to be removed from all credit reports and {$1000.00} per Violation of the fcra. 

Account # XXXX Further more before any information can be shared/reported on a credit reporting party such as XXXX XXXX and XXXX the consumer has the opportunity to XXXX his right of non disclosure of personal information to any XXXXrd party. U.S. Code 6802 - Obligations with respect to disclosures of personal information Opt out ( 1 ) In general institution may not disclose nonpublic personal information to a nonaffiliated third party form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NEVER INFORMED OF MY RIGHTS BY THE COMPANIES YOU ACQUIRED MY INFORMATION OR GAVE WRITTEN PERMISSION TO HAVE ANY INFORMATION SOLD OFF/SHARED TO A 3RD PARTY COMPANY. YOU HAVE OBTAINED INFORMATION REGARDING XXXX XXXX ILLEGALLY AND HAVE VIOLATED FEDERAL LAW. I DEMAND this IMMEDIATE DELETION of all accounts, information associated with XXXX XXXX, removal & from all credit reports, all 3rd Parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
To Whom it may concern, On XXXX XX/XX/year>, Flagstar bank ( my mortgage company ) sent my insurance payment to the wrong company. They sent my payment to XXXX, in the amount of {$960.00}. I do not hold a policy with XXXX. XXXX still cashed the check, knowing I was not a policy holder. For the last 4 months I have been trying to get my money sent back to my bank to no avail. I filed a complaint with XXXX complaint department, I finally started getting come movement. 
As of XXXX XX/XX/year>, they stated they returned the check back to Flagstar, but Flagstar has not received the check as of today. Flagstar reached out on XXXX XX/XX/year> saying they have not received the check yet, but XXXX has not responded yet. 
XXXX sent XXXX different checks, and for some reason Flagstar still say they have not received anything. They were sending payment to a XXXX XXXX XXXX in XXXX I finally got a physical address to send the check to their corporate office in XXXX XXXX, I received tracking number, and a confirmation XXXX  package was received in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, on XXXX XX/XX/year> at XXXX XXXX. I have been following up with Flagstar and no one can tell me where my payment is. I requested to speak with a supervisor twice to see if they can escalate my issue. I requested they call the XXXXXXXX XXXX XXXX, but they refused to call them to follow up to find my check and epidote the process. All I get when I have been calling for the last XXXX months, is they are waiting, they will follow up, but nothing. 
As of today XXXX XX/XX/year>, they said around the XXXX of XXXX they called XXXX trying to see where the check was. But XXXX did not release any information, and told them to send an email, no follow up was received by XXXX as of today XXXX XX/XX/year>. I called and spoke to a XXXX Representative ; he stated the check was not cashed. So, we are just going in circles the last 3 months. 
I was told they have until XX/XX/XXXX to close the case and have a follow up. A supervisor said they will contact me then. For the last four months, all I have gotten from Flagstar is that they are looking into it, and here I am still with no resolution. This entire process is entirely too long and stressful, Because of the delay, an escrow analysis was conducted, and I was short, and my monthly payments will increase. Something that was not my fault to begin with, I paid my bill as instructed on time every month, the headache is entirely unacceptable. This is the second time I have had issues with Flagstar. Simple things that should be handled quickly. I also do not understand why they have addresses where payment can not be received. XXXX sent three payments and none of them were received. 
Thank you for your time and attention.

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-28 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
This has been going on for a few years. I often try to withdraw pesos here in XXXX and the transaction is not completed. Just spits my card out, no pesos. This shows on my Netspend statement as a withdrawal and credit within a minute. Netspend charges me a flat fee of XXXX plus a foreign transaction surcharge on every XXXX of the incomplete transactions. I have tried dealing with them by phone and email, and they have done nothing but insist the fees are applicable even though I received no money from the ATM. These are not overdrafts, it is due to no pesos in the ATM or internet issues. An overdraft fee would be {$1.00}. To me, charging me a fee and surcharge when no money is dispensed is theft. Here is the for instance... I try to withdraw XXXX pesos. The card just gets spit out, receipt says XXXX. Netspend charges me {$4.00} and 3.5 % of the XXXX pesos I never received.

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 2024-06-28 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
The loans was taken off I had a XXXX XXXXXXXX The loans was over 20 years. 
US education has taken the loans off but the loans is still showing in my score making my score like XXXX, I can't buy anything on my loans scoree my score is horrible I need this to loans taken off I'm immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent inquiries about this issue over 30 days ago but have received no response or adequate validation.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent inquiries about this issue over 30 days ago but have received no response or adequate validation.

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Capital Good Fund
State: IL

Complaint narrative:
This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I provided a copy from the IRS the 1099C and showing the Cancellation of Debt. I have been having problems with AMERICAN EXPRESS updated the system since XX/XX/year>, to have this corrected. Now my accounts are showing XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am an existing credit card client with citi bank and opened a new checking account for my paycheck direct deposit and try to get the account bonus from them. After I successfully opened the account and I try to set up XXXX and it successfully set up. I received my paycheck in the citi bank checking account and try to send it out to myself in other bank to consolidate all the fund and then citi bank block my online access to the account. And I tried to call them to solve it and they said they can't see a checking account linking under my name and ask me to register a new user id for online banking and I did follow the instruction and register. After that, i successfully access the checking account with a new user id and successfully transfer the fund by using XXXX. And my second paycheck comes in this week and I try to do the same thing to send the fund by using XXXX and the access get block again and called again, they said they will close the checking account since the risk department said so. And it is under investigation and I XXXX receive a check within XXXX 

And I feel really disappointed with citi bank service that I can not move my fund and access my fund at this moment and expected me to wait for 60 days to access my own fund. And now I have no way to access the online banking or getting support from the bank 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 2024-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections XXXX are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
On XX/XX/year> there was a collection with a debt of {$910.00} by XXXX XXXX filed on my credit report that I have no knowledge of and from a place I dont reside. In result it has caused my credit score to drop XXXX points.Ive already disputed it through experian but Ive yet to see any results concerning the matter.

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: TX

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am getting lerters about pay my credit card bill for XXXX from XXXX  XXXX as of XX/XX/year>. I have been unemployed due to an accident caused by other.in my place of work. Could not pay for that debt accordingly, so my dispute is as soon as i am able to work i will pay those XXXX, i would like to know if they will ruin my credit which is not so good right now XXXX. Or will they be able to wait. Is this letters coming from XXXX  XXXX or someone else like a collection agency i would like to know. Whats the best i can do and how long would i be able to hold the debt with out having to go truough anorher call or letter. In the mail. Thank you ... 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 2024-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital did not send notice of this matter before adding it to my credit. I was in the middle of loan applications and blindsided by this matter, I was aware by a credit monitoring alert that my score dropped XXXX points. I have a perfect payment history ; Jefferson Capital is the only negative item on my credit. This has made me XXXX  and has caused much stress. 

Jefferson Capital has not provided any worthwhile resolution as the item remains on my credit. Had I been informed properly, I could have disputed the item or resolved the matter before it ruined my credit. This appears to be a XXXX XXXX account. Jefferson Capital has provided me with how they came up with the alleged amount ( {$150.00} ), the phone numbers for this account, proof that I used any numbers, texts or data for this account. Nothing. 

Now they want me to sit for a month or more. I can't apply for credit - I will not get the rates or tier I deserve, if my application isn't denied altogether. When I emailed this concern to them, they replied to visit their website or call their number. They do not care. Veterans should not be treated like this. Please help.

Company response to consumer: Closed with explanation