vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC
State: NJ

Complaint narrative:
As of XXXX I was illegally kick out of m apartment me and my XXXX children. I didn't think to call pseng to let them know I was moving, because of what happened. I was trying to get back into the place within the same month which was XX/XX/XXXX or XXXX not sure. Wasn't expecting to be in that situation. I went on vacation and this took place with my landlord. To now as of XXXX I'm back into my new place now I hot a letter in the mail stating I owe money for a bill where I was t staying. Once they kick me out of the apartment I never switch anything out my name until I was able to find shelter for me and my kids so I have done that so now I looking to see if I can be excused of this out standing amount I'm on a fix income and I don't believe I should pay for this cuz the landlord move someone into that apartment once they illegally put me out without my consent at the time so I'm lost and I need help on what to do now. I was fighting to get back in that old place once they done that to me and my kids I took the illegally put out to, legal aid in XXXX NJ so they knows bout the Lock out they had done. Just giving example on why the bill is high and to cover my self my behalf that I wasn't at this address in XXXX in XXXX of that month so if someone can reach me my number is XXXX thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 
2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. 

In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. 

Best Regards, 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 2022-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage company has placed purchased insurance coverage on my behalf. The cost of this insurance was passed on to me through as an increase in my monthly mortgage payment. They said : To avoid this increase, you can easily provide us evidence of insurance by uploading your policy. 

Ive had continuous insurance coverage and called to provide proof of insurance to stop the additional charge that has dramatically increased my auto mortgage payment. They informed me that the only way to do so was via a website. The website has told me every time Ive logged in and tried to load proof that the web said has said Upload temporarily unavailable. 

I and my insurance provider has called ( after trying to fax the proof of insurance and the fax line failing ) the mortgage provider and the long hold times has led to random impromptu disconnection. The proof of insurance website has never allowed me to load documents though I can log in. My mother is a coborrower and elderly and she does not have consistent access to the technology. 

My payment has been erroneously and dramatically increased. Auto debited. And no remedy is available to me. I need help, my livelihood is impacted. 

We cant reach anyone via phone call most of the time. The fax line has not worked when we tried it. The website to load the documents has not worked 100 % of the time that Ive tried. And they are auto debiting my account for more than the amount I agreed to when I signed up for autopay.

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 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A collections account that does not belong to me was placed on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) Written request for validation of debt was sent to debt collector via certified mail on XX/XX/2022. Written and electronic disputes were also submitted to all 3 credit bureaus. 
Debt collector failed to respond to my request for validation. On XXXX XXXX all 3 credit bureaus confirmed that this debt does not belong to me and removed it from my credit report. 

On XX/XX/2022, this same debt that has been confirmed as not belonging to me has been placed on my XXXX credit report as a collection account but with a different debt collector : CREDENCE RESOURCE MANAGEMENT - ORIGINAL CREDITOR XXXX XXXX ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX TX XXXX I submitted an electronic dispute with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
PLEASE DO NOT CLOSE THIS COMPLAINT AGAIN! IT IS REAL! You sent a letter rather than emailing or calling and I got it Saturday and you are closed. I have not had online access to my money for over 2 weeks now, and canceling the complaint does not solve the problem. Previous Complaint # XXXX. THIS IS A VERY REAL COMPLAINT! I don't know how you decided this was not me, but it is and this further delay is not helpful. 

I have been unable to transfer funds from my savings account since XX/XX/2022. Since then I have talked with 4 tech support people and 2 customer service representatives. Each time I tell them the issue and they have me try while they are on the phone and ostensibly watching my online activity. They have not fixed the problem. I have sent them screen captures of the error in 2 emails. They have not responded to that communication. They offer no solution that helps but seem anxious to pass me on to someone else or get me off the phone. Customer support says that I may access my deposit by 1 ) ( getting on an airplane and flying to another state ) by visiting a branch, 2 ) using the online system which does not work, or by 3 ) making many trips to their ATM and then driving to my local bank and depositing into my checking account. The ATM is obviously not workable for a {$5000.00} or more transfer. After eleven days of experiencing this error, Citibank customer service and tech support still have been of no assistance. The problem still exists. Citi personnel have only done nothing but given me the run around.

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 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The alleged is being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. Im in fact owed money. I also stated this to my insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report 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 non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
I have a mortgage with Flagstar Bank. I have no idea how this bank is still in business. 

Noticed my mortgage payment has home & flood insurance included. I already paid both the home & flood insurance in full before I closed on XX/XX/2022. I called late XXXX to address the situation the rep said she would have someone call back. ( no one did ), I called a 2nd time, the rep argued with me said it was taxes that I was paying for ( he was wrong ), called a 3rd time the rep admitted fault. She called my insurance broker who verified that I DID pay in full and gave all the info needed. The rep said she would let escrow know. I heard nothing from escrow. I called a 4th time was on hold, the line went dead. I emailed the company no email back. I called to make an appt in person with the bank was told I had to call the branch. I called the branch no answer, so I left a message, recieved no call back. I gave a bad review on XXXX they messaged back said to use XXXX to get ahold of a supervisor, I did, no response. And here I am, with nothing resolved, no manager to speak to. This is past horrible. I just need this fixed.

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 2022-09-24 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand 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 2022-09-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a credit card through Capital One, which is always paid on time, with a XXXX dollar limit. As of yesterday, XX/XX/XXXX, I observed a delinquency remark by XXXX  for a card not paid, also by capital one, with a XXXX dollar limit. As I only possess one card through capital one, and called the company yesterday as well to verify that I have only one card, which is in good standing, my concern is either Im receiving bad marks for someone with my same name, or someone has stolen my information and used it to open another credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand 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 2022-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. 
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. 
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. 
The representative said they would only remove the name. 
Then, I hung up. 
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. 
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: FL

Complaint narrative:
I don't know how many times I had sent letters to TransUnion to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from them.

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 2022-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have filed a complaint as of XX/XX/2022. The company wrote back and indicated that my payments that they did research on had the wrong numbers attached to the payment. However, when I enter in my payment account numbers in properly, a " 0 '' is removed each time. As a result, I get charged a reversal fee, a late fee, and nothing is done about it. My next course of action will be through an attorney as this has been going on for over 6 months with no solution to it. I would like my reversal and late fees deleted, my account number getting entered in correctly, and a solution to this inside of 15 days. 

I have included a screenshot as of XX/XX/XXXX of my autodraft record with my correct routing and account numbers. When you save the number, for some reason, Citizens deletes one of the zeroes in the phrase. I have brought this up to a Citizens customer service rep every month, and they pass it on to a manager that doesn't get this fixed. Additionally, they won't remove my late fees because their system has a glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX 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 602 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 2022-09-24 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: U.S. BANCORP
State: GA

Complaint narrative:
XX/XX/2019, Elan Financial reported to XXXX and XXXX credit bureaus that my credit card account was 30 days late. By reporting to the bureaus, Elan Financial violated my consumer rights and is refusing to honor the fact that they did so and delete said account. 

USC 1681a Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning Elan Financial and I should have been the only person ( s ) to know that the account was 30 days late, but the illegally reported that info to 2 credit bureaus.

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 2022-09-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Information Solutions is reporting inaccurate information on my consumer credit report and I have requested EVIDENCE AND VALIDATION of documents of the alleged debts. 

Reinvestigation is required as EXPERIAN INFORMATION XXXX did not provide documents under 15 U.S Code 1681 ( i ). 

If EXPERIAN INFORMATION SOLUTIONS continues to report inaccurate information on my consumer credit report that is not proven and VERIFICATION OF THE DOCUMENTS OF THE ALLEGED DEBTS can not be provided, as a written notice of the requested evidence. 

EXPERIAN INFORMATION SOLUTIONS, must under 15 U.S Code 1681 ( i ) 5 ( A ), promptly delete the item/s from the consumer, XXXX XXXX credit reporting 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 2022-09-24 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. 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 XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as 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 an accurate.

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