vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer 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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have reached my breaking point with Bank of America and the way they are fraudulently handling my account. Bank of America ( BOA ) have taking authorizations and deducted them from my available balance ( which can be observed just by looking over snapshots of the past 3 months ) and after the authorization falls off, BOA never adds the funds back to my available balance. For example, on XX/XX/21 I had an available balance of {$8.00} with other transactions processing which has already been subtracted from the available balance. I then transferred XXXX from my other checking account and none of my transactions from XX/XX/21 totaled XXXX, only to discover after making one transaction on XX/XX/21, I had a balance of XXXX minus XXXX I transferred to my XXXX Bank account on XX/XX/21. I have been constantly transferring XXXX 's of dollars in funds to this account only to have my funds disappear. On XXXX BOA charged me a fraudulent overdraft fee, which was impossible because my account had a balance of less than XXXX but it wasn't in the rear and I also transferred XXXX after checking my balance, the fee was debited back to my account on XX/XX/21 when I contacted them, but still I should not have to play watchdog with my account, when they are the company, I'm entrusting to safe keep my funds and oversee transactions.

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 monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
This company refuses to provide proof that any of the XXXX debts they claim they purchased are legitimate. I have had XXXX different process servers show up at my doorstep as a result of this company on over XXXX XXXX occasions with my personal financial information and potentially reputational damaging information exposed to all XXXX process servers. They have to follow privacy laws like every other company with regards to information like that. My information was not protected and illegally purchased. I receive a notice indicating that I had been sued when I hadn't even received a summons. It had been delivered to a neighbor. I have tried disputing all XXXX items with the credit reporting agencies without success and even with documents, videos and photos won't allow me to upload the evidence. Customer service with XXXX, XXXX and XXXX XXXX are practically non-existent and useless. This company grossly violates privacy rights and debt collecting practices yet they're still allowed to do business. Note how each person is holding the summons in the open, not in an envelope. I learned what they were from a business card that was left by the process server. Again, none of it was obscured from the 3 party and was actually given to a neighbor without an envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: GA

Complaint narrative:
Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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:
Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX. Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer 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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have held account with Kohl 's for over XXXX years. Recently on XX/XX/2021 I was paying for products at the register and wanted to use my Kohl 's account. Because I didn't have my charge card I was requested to enter my social security number into the computer console. I have done this several times in the past in the same situation and had no problems. I was surprised when my account was rejected. At the time I didn't think much of it and paid with my debit card. 

Today I received a credit report from XXXX stating I had been rejected for a new account with Kohl 's. I never had any intention of applying for new credit with Kohl 's but rather use the account I've had for XXXX years. This was a deceptive practice by Kohl 's in doing this. I never filled out any application for a new account. Why would I apply for new card if I already had an account. This is frustrating and I want this credit inquiry removed. I monitor my credit closely and avoid doing anything to negatively impact my XXXX XXXX. 

Not being able to dispute this inquiry through the credit bureau is completely ridiculous and outdated. What are customers supposed to do when this occurs improperly? 

Additionally there were statements on the credit letter for denial reasons that were wildly inaccurate such as my current XXXX XXXX, ration of income to debt and the fact that I've had too many inquiries. The only inquiry on my credit file is from last year when I bought my XXXX a new car. ( Otherwise XXXX. ) Is there no accountability with the credit bureaus for customers and there information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This complaint is against Bank of America.. 
Reason is they closed my Checking/Savings account on XX/XX/XXXX. I opened the account on XX/XX/XXXX with BOA ... I opened checking with cash of {$60.00}, I also opened Savings at the time with the amount of {$100.00} in cash..On XX/XX/XXXX I went to BOA in person to a cashier on the inside..I depostied {$480.00} into my Checking account with cash ... Everything was going good until I started transferring money from my XXXX XXXX XXXX XXXX XXXX account to my BOA account through XXXX... Which I was allowed to do, I even varied with both bank before I started it..My first transaction from my XXXX was on XX/XX/XXXX for {$100.00} into my checking account, on the XXXX of XXXX I sent another deposit into my checking once again..for the amount of {$150.00} ... I started transferring money this way because I was tired of having to drive all the way across town plus I was dealing with medical issues at this time..Anyway ... I should not be penalized because i was using the services that were available to me... They stated on the phone when I have called the Risk number multiple times way to many to count they said the bank stated that they couldn't prove it the money was mine ... Which it was as I have stated... I will attach the proof once I am allowed to ... When I have called numerous times also they said I was not allowed to submit my own paperwork showing proof that is was my money ... Let alone that should not matter if someone gave me to get by at the time... But anyways I received money from a lawsuit and also from back XXXX told BOA I was going to put money into that account when I received my money... Which I received them in XXXX and XXXX... I had over {$130000.00} in my NF account ... Which is none of BOA 's business what money was in my NF account at that time XXXX At they need to worry is that money cleared my account... Or at least call me and ask for proof..Which they did not nor did they let me submit my proof or information after they closed my account... I was told over the phone that they will do " Their own investigation '' as they see fit ... I have been dealing with this since XXXX of this year... I have not received a decision or my money back from them ... which they stated I would receive in XXXX days ... Now it has been 7 months ... This is total... XXXX.. I need your help please...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened an checking account with Chase back in XX/XX/2021, and prior to recieve my debit card, i got locked out from my chase mobile app. i couldn't gain acess to my account, so i called customer support, and they told me to go to the branch to solve it. and the staff at the Chase branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) told me they need my premanent resident card to verify my identity. but at the time, i only brought my drivers license and my passport with me. they told me that they have to close the account, and when i asked about the remaining funds ( {$3000.00} ) in the account, they refuse to issue me a check in person, told me that they will mail check to me ( 5-8 business days ). after XXXX weeks, i still have not received the check. so i called them, and they told me they put a stop payment on the first one and issued me a new check, another two weeks past, still not in the mail. so i called customer support again, they told me to get a ( declaration of lost cashier 's check ( mailed XXXX jpmorgan chase and never received ) and have it notarized and fax over to them. i went to the branch did what they ask me to do on XX/XX/2021. i have the original file with me. another XXXX weeks past, still nothing in the mail. not even getting the first check or second check that they claimed mailed out. when i asked them about the letter with the check ' tracking number, they couldn't provide it. it is really frastruating after spending hours on the phone ( they put me on hold ) and today is XX/XX/2021, XXXX and an half month after the account closure. i still have not got the check ( {$3000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good evening, On Saturday, XX/XX/2021. I was informed ALL of my accounts were closed with Capital One stating that I violated a clause within the terms and conditions. The I called and spoke with a XXXX I was advised this was because I was unable to properly protect my account from unauthorized charges You all can pull the call that will confirm this as its being recorded for quality assurance. XXXX with is the credit card that you all have contact ensures {$0.00} fraud liability, According to you all terms and conditions UNAUTHORIZED CHARGES fall under fraud. 

This is were is gets a bit hazy and my lawyer will be reaching out, the letter that Capital One mailed on XX/XX/XXXX, states my accounts were closed for not protecting my account from charges I did not authorized when I asked how is this to be done from your rep I was told to lock my card in safe. When Ive personally been a victim of identity theft which can be verified amongst all of my accounts and was called to confirm my identity. As a client that has had an auto loan, XXXX credit cards as the primary, a few as the authorized user and a bank account. I am in total dismay at the customer service and how Capital One literally blames there client for fraudulent transactions by the closure of accounts although the history of the count has NEVER warranted such penalty. NOW, I am being affected XXXX again for acts done against me or NO fault of my own. The {$0.00} fraud liability you all proclaim is NOT without consequences and should be communicated to potential consumers. 

It is unfair that I am being penalized. My credit has taken a hit via inquiries and drop in utilization all for reporting charges that were fraudulent to the company that is supposed to be bringing humanity, ingenuity, and simplicity to banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The XXXX, natural breathing person, and XXXX XXXX? That alone makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.

Company response to consumer: Closed with explanation