vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new 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 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Have never refinanced my mortgage before. Proof of Satisfaction of Mortgage file with XXXX XXXX XXXX clerk office for property at XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX. Illegal transferred my home for {$1.00} ( one United States dollar ) to XXXX Bank. Fraud and theft of property, manipulated insurance claim funds with frivolous 1099 income with IRS when no mo et was actually tender. Cashed my $ XXXX check without my signature. Acknowledging frivolous filing my XXXX the previous services. 
Also, recently altered my Insurance check with incorrect claim number for {$49000.00} and {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Received a letter from Synerprise Consulting Service, Inc ( reference number XXXX ) stating they are a debt collector attempting to collect {$48.00} from a procedure at XXXX XXXX I had on XX/XX/22. I did not have any kind of labs/procedure on that date. I have called 6 different numbers attempting to locate anyone who knows anything about this service. Absolutely no one can tell me and sends me onto another number. I have XXXX and XXXX XXXX XXXX XXXX as my insurance coverage. I never receive an invoice on anything. Whatre XXXX doesnt cover, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I wrote two letters. XXXX to XXXX, XXXX. The other to I.C systems. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on 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 explanation
Consumer complaint received 2023-04-13 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: GA

Complaint narrative:
I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within 48 hrs to a private XXXX XXXXXXXX shelter for XXXX XXXX  with my XXXX out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

On/around XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with Portfolio Recovery Associates , LLC with the XXXX XXXX XXXX XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under Portfolio Recovery Associates LLC on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX I sent a letter via United States Postal Service to Experian, exercising my right as a consumer according to the Fair Credit Reporting Act physical verifiable proof of several accounts on my Credit Report. I then received an email on XX/XX/ ; they recently received a request not sent directly by me. In my letter, I included a copy of my driver 's license that has my current address. I believe this was a stall tactic, as when I called on XX/XX/, they were now requiring me to send a copy of my Social Security Card or utility bill ; my Social Security Number was on the letter that was sent. I thought this was crazy and a stall tactic, as they had the proof to verify me, nor did they give those specific instructions in the email. I'm exercising my right as a consumer and demanding the proof I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
For the past week I have tried to login and dispute items on my credit report, the system states " Were unable to process your request at this time. '' I contacted Transunion and they will not allow me to view my report to dispute items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
On XX/XX/2022 XXXXXXXX XXXX filed a civil case against me at the XXXX XXXX XXXX house for false damages and false back rent owed to them. We went to court, and it was reset for XX/XX/2022. Prior to going to court the plaintiffs lawyer, XXXX XXXX of XXXX TN contacted me via email stating they wanted to dismiss all money owed and dismiss the court case. I agreed and he went to the court house and the documents were signed. I have proof of the documents that they chose to cancel the court proceedings. In the court documents it states releasing the defendants from any monetary damages and whereby any cost taxed to the plaintiff. Since then, I havent received any mail, or emails pertaining to a debt collection of money owed to them, but even though the judge came to a judgement of no debt owed and both parties agreed, XXXX XXXX in XXXX TN which is owned by XXXX XXXX and their affiliate company XXXX XXXX XXXX, has turned the false debt over to a collections agency, Rent Recovery Solutions in XXXX Georgia, and it has been put on my credit, dropping it roughly 50 points, I have contacted them numerous times and they continue to act like animals and treat people like animals who try to dispute the issues. These are false charges and I would like to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: KEYCORP
State: SC

Complaint narrative:
Key2XXXX  Reward Master Card - KeyBank XXXX : {$2400.00} convince check cashed at unknown location, bank unable to recover check image. 
XXXX : I reported the fraud to the Key Bank fraud hotline, a dispute case was filed and opened. 
XXXX : I filed a local police report with XXXX SC Police Department report No XXXX XXXX : I called fraud hotline to update them that I had filed a police report as instructed and relayed that police report information XXXX : Noticed charge was gone from statement, looked as if the case had been resolved XXXX : Charge return of {$2400.00} noticed on statement as reversed. I reached out to fraud hotline. I was told and that a KeyBank branch was to contact me with an affidavit form to fill out and get notarized. No on had ever contacted me nor informed me of an affidavit to be completed. Received the affidavit/sworn statement from fraud via email in the following days. 
XXXX : Email sent to branch manager XXXX XXXX branch # XXXX ( XXXX XXXX XXXX XXXX OH XXXX ) w/ affidavit completed and notarized properly. Case was reopened. 
XXXX : I followed up with XXXX, branch manager, via email due to no response. 
XXXX : First response from XXXX. She sent and addition affidavit for me to complete and get notarized. 
XXXX : I sent XXXX via email the second affidavit notarized and completed. 
XXXX : I followed up with XXXX again since no response since XXXX XXXX : XXXX emails mw with an update from the fraud department stating that the case is " still in progress and these can take up to 90 days to resolve '' XXXX : I follow up with XXXX to check on case XXXX : A coworker checked on fraud progress, still under review XXXX : XXXX contacts fraud department for update XXXX : I contact fraud department for update. They state they can not disclose any information to me, must be given to me via branch manager XXXX. 
XXXX : Follow up from XXXX, case was closed, no reason given. She escalated the case to " Executive Client Relations Team '' XXXX : I followed up with fraud department. Again they said case was close but could not disclose information as to why. 
XXXX : I emailed XXXX with request to speak live on the matter. No response. 
XXXX : I emailed XXXX with request to speak live again. She emails back stating she followed up with fraud and that the case manager covering my case was out on vacation and could not give me any updates. 
XXXX : I reached out to fraud department myself to check status. Someone finally gives me information that they are missing and affidavit that XXXX was supposed to send to them. I offer to send them the affidavit, I had completed on 2-4. They say they can not accept it unless it s from an internal KeyBank email. 
XXXX : I call XXXX, no answer. I leave voice mail to contact me ASAP about affidavit form.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Pentagon Federal Credit Union has a publicly posted policy that in branch withdrawals of {$2000.00} or more require 24 hours notice. I gave the branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX notice on XX/XX/2023 at XXXX notice I need to withdraw more than {$2000.00} from my checking account. It is now 72 hours later and I have been unable to withdraw funds my checking account. There is no direct phone number for the branch or branch manger. Unfortunately, the branch is a 35 mile drive one way so I am not easily able to just go talk in person. I have called the publicly posted phone number, XXXX, multiple times with representatives telling me they will contact the branch manager. The first name of the manger is XXXX, I have not been given his last name. I have been told three times over the past two days that XXXX the branch manager will contact me directly to discuss my request. My deposited funds are being held hostage and the bank is not following their policy. I am unable to make a purchase I need because the bank will not release funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
-In violation of the Truth in Lending Act/Bill Of Exchange act -Breach of contact/Failure of Fiduciary duties -Gave personal information away to 3rd party without consent -Failed to properly respond to Affidavit of Truth with an Affidavit -Failed to properly respond to Affidavit of Revocation of Signature with an Affidavit -Ignored notice of Rescission -Ignored Cease and Desist -Violated numerous U.S. Codes in the Sales Contract -Failed to provide accounting/ledger -Now in default after numerous attempts to amend an solution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$68.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Numerous relatives received voicemail messages from XXXX asking for a XXXX XXXX ( my maiden name is XXXX ). On the voicemail message the person indicated a lawsuit was filed against me for a Capital One account and that they were taking government action. I called the # and let the man know that I have an attorney representing me for bankruptcy. He told me that it didn't matter and that I was going to have to pay. He then cursed at me when I repeated that I have an attorney and offered the information. The man put me on hold for almost 10 minutes. I hung up the phone and he called me back. He identified himself only as being with XXXX XXXX XXXX and gave a file number of XXXX. He proceeded to curse at me some more and told me good luck in court. He then hung up.

Company response to consumer: Closed with explanation