vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On or about XX/XX/XXXX I recieved a telephone call identifying themselves as XXXX XXXX XXXX XXXX out of XXXX, California. I was informed after some initial banter, that they were attempting to collect a debt that supposedly was given to me in XXXX of XXXX. And the original company was XXXX ( XXXX ) loans. This company emailed me a letter stating the XXXX XXXX is prepared to close an account for the full balance of {$5400.00} no later than the close of business that day. I was also informed there was no grade period and if the funds were not received in their office by that time, the offer was null & void. Considering the original debt is supposedly {$900.00}, that calculates to a 792.82 % APR. 
Additionally once the funds cleared my bank, XXXX XXXX would release me from all claims and liabilities and their trade lines with major credit reporting agencies would be updated accordingly. 
I can not confirm or accept any claims that are not investigated establishing my ownership of this debt. Currently I possess no records of said transaction. At XXXX and XXXX  months since the supposed " charge off '' date of XX/XX/XXXX or the XXXX  years XXXX since the supposed initial date of this transaction, it may well be beyond any limitations. After some initial investigation on my own, it appears this company has been involved in class action lawsuits.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Regarding the check XXXX XXXX  XXXX for $ XXXX is details of the fraud. 

XX/XX/XXXX XXXX negotiated a check deducted from my account XX/XX/XXXX check deposited into XXXX account XX/XX/XXXX XXXX XXXX Citizens bank called to advise someone was trying to cash the check and had deposited it in their account via ATM. She had stopped the check from being cashed. 
XX/XX/XXXX Stopped into XXXX XXXX XXXXXXXX XXXX. advised the situation and was told since the check was negotiated once it can not be presented again.. 
XX/XX/XXXX XXXX XXXX appeared on my XXXX account. I was advised by XXXX XXXX XXXX branch  that XXXX  had sent the memo to them XX/XX/XXXX Police Report filed advising the check was stolen from my car.And the person tried to get it cashed. Police report # XXXX XX/XX/XXXX Reached out to XXXX  fraud dept, spoke to XXXX XXXX, he advised he only handles {$5000.00} min. He advised me to close all my accounts with XXXX  and reopen new ones. Which I did. 
XX/XX/XXXX Affidavit signed with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reached out to XXXXXXXX XXXX Fraud dept - we spoke many times to figure out what had happened. I believe the check since it was a mobile deposit on my end and was made out to cash it was stolen from my car. XXXX filed a fraud with Citizen Bank on XX/XX/XXXX - Advising them the check can not be cashed and it has fraud marked on it. Citizens holds the fraud for 90 days and the issued should be solved by XX/XX/XXXX, which is when I should have my {$3000.00} XX/XX/XXXX Speaking to XXXX XXXX XXXX Citizens she advised the person who stole the check and committed fraud had closed the account and Citizens sent him a check for {$3000.00}. Everyone is questioning how this happened knowing the history of this case. Citizens put a stop payment on their end on this check. 
The check has not been cashed the person who stole the check is in XXXX  My XXXX Has been with Citizen Bank over 90 days I do not have an account with Citizens only XXXX XXXX has reached out to Citizen fraud dept or XXXX XXXX XXXX Citizen to find out the status. I do not have an account with Citizens only with XXXX  which leaves me in a difficult situation In short I would like to have my money back into my new XXXX  account. 
Please advise if you can help me or who I should speak to. 
Much appreciated. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2024, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My Credit With This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose Mentally and Physically and Financially, Not Only That But It Showed Up On My Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CRED Technologies dba cred.ai
State: WA

Complaint narrative:
I was repeatedly asked to verify my identity due to fraud, and have had to remove and replace my XXXX XXXX numerous times over the past few months. My account is never low on funds and I can not move more than XXXX a day out of it despite adding XXXX monthly to it. 
I recently moved and wanted to change my address and they said I needed to show all sorts of documentation to do so, and I was unable to show a utility bill because Id JUST Moved It doesnt make sense that their customer call center will not escalate and simply says well email you and then check spam but nothing arrives. I want to revoke my account and get back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been in contact with XXXX XXXX in order to remove a XXXX late payment notice off my credit from XXXX of XXXX until XX/XX/XXXX. The last time I'd contacted XXXX XXXX, I was informed that they had updated my report to reflect that the 30 day late payment was removed. I checked my reports XX/XX/XXXX and noticed the changes. On XX/XX/XXXX equifax reversed status has reapplied 30 day late payment to my report, even though they initially removed and XXXX XXXX agreed to have it removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I had a phone call with roundpoint mortgage XX/XX/year> and XX/XX/year>. I was recently on XXXX declared disaster forbearance. The receptionist said she can process the deferral to underwriters if I pay 5 months of mortgage payments. I am financially strained and do not have 5 months of mortgage payments. Next, she asked if I can repay the loan back in full and I do not have that ability either. I ask if she can do a phone screening like I had back on XX/XX/year> of my income, and monthly payment. She refused and couldn't connect me with underwriter or management. According to fannie mae, i should be eligible for deferral or loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the unresolved negative accounts on my credit report. Despite my previous communications, there has been no resolution or verification of the items in question.

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 2024-05-24 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: PNC Bank N.A.
State: NC

Complaint narrative:
On Saturday, XX/XX/XXXX, at XXXX, I went to the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was looking to depositing money onto my XXXX prepaid card. I had used that ATM before and never had an issue with transactions prior. The ATM allowed me to go through the routine of the transaction : inserting my card, putting in my pin, selecting deposit. Before the error message popped up I was shown the screen of how much money I was planning on depositing. After pressing continue I was shown the error message Action selected is not available at this time. Please retry. The money counter opened up and before I could attempt to retry, it closed and took the money. I was then given a receipt depicting the same error message as the one I was shown on the screen. There was a red and white behind me so I moved forward and planned on seeing if I could retrieve my money after them. However I could not. So I called the PNC Banks customer service, I was told since I do not have an account there was nothing that they could do and I would need to call the bank of the prepaid card. So I called XXXX XXXX  customer service and was generally told the same thing. Since theres no record of the transaction within that account I could not do nothing in regards to a dispute and would need to speak with PNC Bank and they should be able to handle it. So on Tuesday ( XX/XX/year> ), I called PNC Bank and spoke with a woman representative. I told her about the incident and she said that XXXX resolution would be the ATM being serviced to see if there was an overdraft. I was also told that the ATM had been out of service since that Saturday, when I had tried to deposit my money. She took my name and phone number down and said shed give me a call later in the day. I did not receive XXXX. So I called today ( XX/XX/year> ) and spoke with her again. This time I was told that there was nothing that they could do and I would have to try to file a dispute XXXX XXXX. However, I was told the same by the XXXX XXXX  customer service. So at this point I am confused and my money is lost. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2024 Disputed Capital One charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: UPGRADE, INC.
State: FL

Complaint narrative:
XX/XX/2024 Disputed XXXX  XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX  charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed Upgrade Inc charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a collection notice that recently appeared in my credit file from your agency. However, I am concerned as I have not received any prior notification regarding this collection, and I question the accuracy of the associated debt. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide the following documents for verification :

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 2024-05-24 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: NC

Complaint narrative:
er : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card proof of address and FTC

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 2024-05-24 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 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 ( ii ) the information is, in fact, inaccurate.

I can go on and 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX I am disputing the purchase of a XXXX XXXX machine that was put on my XXXXXXXX XXXX and more cards on XX/XX/2023 for the amount of XXXX. They sold me a defective machine and I still do not have an operating machine ( which I filed a dispute on both accounts and Synchrony found with XXXX side ) I have found out some additional information on these XXXX accounts with XXXX. While trying to get an answer to my disputes on Synchrony card I found my information was hidden, a phone representative helped me to get that information in my online account. When I got to the information, I found a letter they had posted that my credit increase was declined on XXXX for to much outstanding debt. Then XXXX applied for the credit increase again and got me approved for the credit on XXXX. But I found in my online account information that my income was {$4000.00} over the income I submitted to XXXX for the application. I asked how that amount was put in and the representative told me by whoever did the application. I have several accounts with the same bank, and they have the amounts I reported at time of application. I do not understand how XXXX was able to get not only a credit increase when it had been declined a day earlier on my account but was able to also approve a new account to be opened of {$9000.00}. I feel they falsified my actual income by doubling it. I could not get any more information from Synchrony Bank on this. I asked for the electronic application XXXX submitted but was refused. I feel like this was done by XXXX to get me approved. I reported my correct income to XXXX as you can see, the application I signed ; if my income was reported to the credit application as {$7500.00} per month it would represent fraud of my income. I feel Synchrony should investigate this problem with XXXX providing false information. I was told from a XXXX employee that a salesperson was fired at XXXX XXXX XXXX for falsely reporting income on applications and was caught by a mystery shopper. I feel they did this because they knew that Synchrony would find the dispute of the transaction in favor of them and not the customer. I am still with a non-functional machine that I have been making payments on for 11 months and XXXX wont come to a solution because they got their money from Synchrony and know I am stuck with the bill and a non-working machine. There are XXXX XXXX XXXX  more card accounts and they split the transaction between the XXXX, but this will only allow me to enter XXXX card number

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 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX are using a third party Glasser and Glasser PLC to garnish my wages for the second time in two years for a debt that is not mine. The address for this debt was supposedly XXXX XXXX XXXX Florida. I have never in my life lived in Florida. I sent Glasser and Glasser a debt validation letter and received no response. My lawyer sent Glasser and Glasser a letter last week and still no response. This debt is supposedly from XXXX. I have lived in Virginia since I was three years old and have never lived out of the state of Virginia. I have not been sent anything ever. I have never received any billing statements, no letters, no nothing from XXXX XXXX XXXX or XXXX XXXX  XXXX. I have even had my bank check back and send me all of my activities from XXXX and nothing shows up. I have never had a credit card with this company. I believe it was a fraudulent account made. I have notified the credit bureaus and let them know that there was a fraudulent address on my credit. XXXX XXXX XXXX nor XXXX XXXX XXXX show up on my credit report ever. As of right now they have taken over {$500.00} from my wages and I am now on the verge of losing my car and my home because of this. I have yet to receive any proof from either company about this account being mine because, I know it isnt mine. I never received any correspondence before the garnishment summons came a year ago and the one they just started. I never received a letter saying to call, no phone calls no nothing. The garnishment summons was mailed to me at my home and then a week later served to my home. I have asked for billing statements, original copies of said debt, all that stuff with no response from either company.

Company response to consumer: Closed with explanation