vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
I called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to advise them that I recently was laid off and needed assistance with my mortgage. I asked for an unemployment plan but was advised that I qualified for a partial claim. I as told to give them 30 days to review my loan, I said ok. I was sent partial paper work around the XXXX XXXX XXXX which I signed and returned. My new payment was suppose to start XX/XX/XXXXXXXX XXXX XXXX  about {$1500.00} and some change. I called numerous times to advise that the partial claim was sent and to see willing it wis take to be updated I kept getting several different answers. In my numerous calls I kept asking about my loan being current and XXXX payment being due XX/XX/XXXX and I was td that was correct. XXXX comes and the system still shows me due for XX/XX/XXXX. I was told several different things that it takes 30-90 days to fix my account. I have been in mortgage servicing over 15 years in Complaints so already know the horror stories with the mishandling of loans this is why I stayed adamant with calling. I ended pay my XX/XX/XXXX payment even though the system was not updated. I called on XX/XX/XXXX. XXXX and spoke with XXXX to try to see what was going because the account still showed past due. She then advised me that I need to pay XXXX XXXX XXXX XXXX  payments before the partial claim would be implemented in the system. I advised her that I was wasnt on a trial modification I was approved for and signed a Partial Claim and that did not come with a trial period. She insisted on the trial so I said ok because the situation already was stressing me out. Fast forward to today. I log into the system and it says I am due for XX/XX/XXXX payment, which I already paid on like the XXXX XXXX XXXX This whole process has been a mess and I stayed in contact because I already Loancare doesnt ever do things correctly. I worked for their subservicer and handled complaints for them regarding these same issues. Now my account is behind and the whole point of the Partial Claim was to have me current. Please have someone review this and correct my account. I just finally started back work a few weeks ago and I am still in a financial situation because of the mishandling of my loan.

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 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! I have been in communication with the consumer finance protecetion bureau, the XXXX, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! I am in talks with an attorney and honeslty i just want to have this over with! Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint with the CFPB because my bank account has been frozen due to a disputed XXXX payment. I sold a XXXX to cover my XXXX, and the buyer now claims that they didn't authorize the payment. Consequently, my account is frozen, preventing me from using my card or withdrawing funds, although direct deposits are still being processed. 

This situation is highly problematic as I have upcoming bills that need to be paid from this account. It doesn't seem fair or reasonable for my entire account to be frozen for up to 10 days based on an unsubstantiated claim. All I do with my account is pay bills, and this freeze is severely impacting my XXXX XXXX. 

I seek immediate assistance in resolving this matter so I can access my funds and meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. is obligated by the FCRA to report accurate accounting. XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( XXXX ) ( A ) ( B ). 

XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. XXXX fraud report will be filed on behalf of consumer, consumer is now requesting XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. If XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

XXXX, XXXX, and TRANSUNION ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST XXXX, TRANSUNION, and XXXX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. XXXX, TRANSUNION, and XXXX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE 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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, EQUIFAX, XXXX, AND CREDIT XXXXXXXX XXXX, XXXX. is obligated by the FCRA to report accurate accounting. XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXX ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( 1 ) ( A ) ( B ). 

XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. XXXX fraud report will be filed on behalf of consumer, consumer is now requesting XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. If XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

XXXX, EQUIFAX, and XXXX ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST XXXX, XXXX, and EQUIFAX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. XXXX, XXXX, and EQUIFAX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Credence Resource Management for their ongoing violations of my consumer rights as outlined under federal law. 
Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Credence Resource Management has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Credence Resource Management has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt. 
3. Use of False, Misleading, and Deceptive Means : Credence Resource Management has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Credence Resource Management has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions. 
Requested Action : I request that the CFPB investigate this matter and take appropriate action against Credence Resource Management for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Credence Resource MANAGE Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
15 U.S.C. 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
15 U.S.C. 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
Ive submitted a complaint already regarding the US Auto Credit account my report. It has surpassed 30 days and a resolution still hasnt reflected on my report. In fact the company is still updating the balance on the account even though I no longer possess the vehicle. This isnt even the original company used whe. I first completed the deal. I dont understand how they have the right to manipulate my credit report as if I the account is open when the vehicle has been repossessed. I believe many unlawful acts is being performed by this company and they should be investigated thoroughly and URGENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I received 2 text messages from Sunrise Debt Collection with a phone number included. I googled the customer service phone number, which was a different phone number. I called the number to ask why I was being contacted by a debt collector. I cant think of any reason a debt collector would contact me. They wouldnt even tell me any details about the debt - who it was from or how much - unless I provided my social security number. I did not give it to them and asked them if I could put them on hold for a minute. They hung up 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 2024-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I filed a claim for a fraudulent transaction on XX/XX/XXXX, they said it would take 90 days to investigate... I received a email yesterday, XX/XX/XXXX saying that they can't approve my dispute... The company is card holder service...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

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 2024-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
IN XX/XX/XXXX XXXX, AND XXXX OF XXXX BANK OF AMERICA LOST/STOLE OVER {$6000.00} DOLLARS OF PLAINTIFF 'S XXXX XXXX COMPENSATION PAYMENT DEPOSITS IN EXCESS OF $ XXXX THAT XXXX XXXX COMPENSATION DEPOSITED IN MY BANK ACCOUNT. 

THE BANK STATED FUNDS WAS SENT TO UNCLAIMED PROPERTY AS REQUIRED BY PROCEDURE.THEY COULD NOT PROVIDE ME WITH PROOF OF THIS ( LIKE i.e transaction or tracking number ) XXXXTHE BANK DIRECTED ME TO CHECK WITH THIER UNCLAIMED PROPERT.GOV, BUT UNCLAIMED PROPERTY STATED THE BANK NEVER RETURNED PAYMENTS. 

I CHECKED WITH XXXXXXXX XXXX COMPENSATION THE SENDER OF XXXX XXXX XXXX PAYMENTS. THEY SAID NO FUNDS WAS RETURNED BY BANK OF AMERICA, TO XXXXXXXX XXXX COMPENSATION. THE BANK OR UNCLAIMED PROPERTY, OR BOTH OF THEM TOGETHER LOST/STOLE MY XXXXXXXX XXXX COMPENSATION PAYMENTS DEPOSITS. 

-I HAVE CONTACTED THE BANK IN-PERSON, BY PHONE, AND EMAIL. 
XXXXI HAVE FILED COMPLAINTS WITH XXXX XXXX FDIC XXXX POLICE REPORT, -CREATED MY OWN LEGAL ASSISTANT APP TO LOCATE OTHER VICTUMS AT : https : XXXX THIS APP INCLUDES MY BANK ISSUES, FACTS AND EVIDENCE AND DEFENDENT BOA TO RESPOND. NO RESPONSE.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Date Of Birth : XXXX Last 4 SSN : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I previously filed a complaint with the XXXX XXXX XXXX with the complaint number # XXXX, and the XXXX XXXX XXXX managed to remove it from my credit reports. Now I am having the same issue with the same account with different collection agencies and none of those collection agencies can't provide me with a legal contract that I signed on. I am seeking help from the XXXX XXXX XXXX  to find me a solution with that account the same account being already removed previously from the credit bureaus. I am not liable for this debt with XXXX, I do not have a contract with RADIUS GLOBAL SOLUTION, They did not provide me with the original contract as I requested. RADIUS GLOBAL SOLUTION called me and said I have to pay that debt I told them that I refuse to pay because I am not responsible for this debt, I also told them to send me the original contract proving my signature on it. Until RADIUS GLOBAL SOLUTION provides me with the original contract they have to remove ASAP from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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