vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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 XXXX XXXX XXXXXXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S C 1681 Section 604 A # 2 states a consumer reporting agency can not furnish my account information without my written consent.

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX, I did a consolidation loan in which {$9700.00} was to go to Barclays card for my XXXX Credit card. IT was {$1000.00} more than the current balance and that was to apply it to another card that I was not able to apply it to directly. 

The money was placed in the incorrect account, XXXX XXXX XXXX XXXX and my card is XXXX XXXX XXXX XXXX. Several calls to Barclay 's and XXXX and no results. Never a call back. Even three way calling with the lender did not get anywhere. We where informed that the could see the deposit and needed proof that it was supposed to go into my account. We faxed them and sent an email and by mail. They say they never received anything. 

The money was received in the incorrect account on XX/XX/XXXX. 
I was told that there would be not interest charges or late fees and it would not effect my credit and they would fix everything. They removed the XX/XX/XXXX late charges and interest but have not done so for the XXXX, XXXX, XXXX, Payments and I am not paying on this card until this happens. 

The lender has sent me the check directly and need to get this straightened out in order to make a payment plan, althought they still have the money.

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 2022-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I think around XXXX of XXXX, I noticed my mortgage company, Cardinal Financial, was reporting me as a delinquent account on my credit report of my mortgage amount of {$88000.00}. 
When I called, they said I owed {$15.00} for escrow or something like that. I paid an extra {$9.00} or {$13.00} to get it taken care of on the phone that day because I wanted it to stop showing up on my credit report. 
However, it has not disappeared. Here 's the catch- I am in forebearance with Cardinal due to Covid hardship and we are in the process of getting a partial claim applied. In the meantime they continue to report on my credit. 
Currently the amount is for {$12000.00} which I am guessing is the amount I need applied to my partial claim {$8800.00} plus any payments I have made that they are not processing. That is another phone call to them. 

I have told them more than twice and had my agent with Cardinal, XXXX, tell them to STOP reporting me on a credit report but they have not complied. 

1.They should NOT be reporting me because I am in the process of a XXXX hardship forebearance. 

2. The amounts keep changing on my credit report- on XX/XX/XXXX $ XXXX ; on XX/XX/XXXX {$8800.00} ; on XX/XX/XXXX - {$88000.00} ; on XX/XX/XXXX - {$9700.00} ; on XX/XX/XXXX {$10000.00}- which is the difference of my CURRENT mortgage payment that I paid on time! They obviously are not applying my payments to my account, which is another phone call. 

3. I am paying my mortgage on time- they should NOT be reporting this on my credit report. 

How do I get them to STOP reporting my hardship forbearance on my credit report? Perhaps you could help? I am nervous and fed up with them and think they are playing games so they can take my house. But that's another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
This is a fraudulent phone account. I did not open this. I have no other details. I am unaware of the phone number and email address used to open this account as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a XXXX balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at XXXX with Navient. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at Navient in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX Navient still appears on my credit report showing delinquent from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flandreau Santee Sioux Tribe
State: ND

Complaint narrative:
I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next 40 minutes in which I hung up. I called back, lady said it was a chain of which I needed to go through, I did swear, but after 40 minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MO

Complaint narrative:
I was living in an apartment complex called XXXX XXXX. I had been there 3 years when I began having trouble with an upstairs neighbor. I have XXXX and she was barbequing frequently in front of my apartment patio. This was in violation of complex policy which required 10 feet away from the building. i could not confront her about this because she was hostile to any complaints made about her by any of the other residents. Complaints to management went poorly as management changes personnel about every two or three month. I would file a complaint, they would tell her to stop and a week later she was doing it again. Then a friend of hers starting parking his car outside my apartment at night and turn his radio up full blast ; turn on his high beam to flood my bedroom. Wait for me to get up and then drive away. I complained about this too and told them It was effecting my health severely. Again, no further action was taken by the management. Then she got into an argument with an elderly neighbor across from her. The next day that woman was found dead. Then she beat up her son in front of my apartment and I called the police on her. Then she had XXXX XXXX and management treated her unit but not anyone else 's. I was forced to treat my own unit at my own expense. When I informed them I could not live under these conditions they did nothing to work with me about resolving the problem.. It seems since she was a XXXX XXXX resident and I was not ; she had preference to stay there. I oved out owing 3 months rent on my lease. Since then I have filed disputes with them and with the collection agency ; which is not in my state of Missouri. I find now, that that agency, I Q Data International in XXXX Washington is adding interest charges to this account. It was originally {$1000.00} but is up to {$1300.00} in the space of two months. This has ruined my credit score more then XXXX points. I feel the apartment failed to honor the contract long before I did. And they waited three years to turn it in to collections. The management company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: IL

Complaint narrative:
I and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

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 2022-05-02 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: IL

Complaint narrative:
I and my place of employment were directly affected by Covid during XXXX XXXX & XXXX XXXX XXXX. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the 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 2022-05-02 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 XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document 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 2022-05-02 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: LA

Complaint narrative:
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is about Capital One. I had taxes withdrawn from my bank account, overdrawing it on XX/XX/2022, causing a payment to be returned on XX/XX/XXXX. I applied for a loan to pay off my credit cards, and received the funds a week later, on XX/XX/XXXX. I made a payment in-full on my card on that date. It cleared my bank on XX/XX/XXXX. Over the weekend, I attempted to contact Capital One to get the hold released, knowing that the payment had been both funded and posted. Capital One claimed that they needed to verify the payment. 

I called twice over the weekend, on Saturday, XX/XX/XXXX, to attempt to clear the hold, but my bank was closed and could not be contacted. I confirmed with a representative that as soon as the payment could be verified, the hold would be cleared. 

On Monday, XX/XX/2022, I called Capital One and had them verify with my bank that they had received the funds. I was then informed that my account would remain on hold until the end of the week, on XX/XX/XXXX. When I asked why, I was told it was policy. 

I regularly use this card and have a healthy payment history. The funds have been received, and I have a negative balance on my card ( so, a credit ). My account is still on hold, the funds have been verified, and there is no reason for me to not have access to my available credit. 

Capital One is making it impossible to pay off my card, for arbitrary reasons. Either the policy is that, once funds have been verified, holds are released, OR, the policy is that the hold remains regardless, but it can not be both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
At the end of XXXX this year, we got a new bank account. I needed to update my payment information, which Caliber lets you do online and is fairly simple. I marked the new account as my " Default Payment Method '' and removed that designation from my old payment account. There was nothing to indicate that what I had done would have zero effect on which account my payment would be pulled from. We should be able to quickly and easily update our payment info at any time. Unfortunately, Caliber prefers to make it difficult for consumers to do so. Without any notices or warnings in the Edit Bank Account Information section, Caliber allows consumers to believe they have updated their payment information, when in fact, it requires a separate form to be submitted via mail or fax to do so. The payment then unexpectedly pulled from the old account. I called customer service and was advised that I should have deleted the old account. Apparently, keeping it in case we wanted to have the option to use it wasn't possible. I was further advised that my bi-weekly autopay would need to be canceled, and I would need to set up a new one. The agent assured me she would cancel it so it wouldn't pull from the old account again and once canceled, I would need to submit a new application to set up the bi-weekly autopayments again with the new account. She did not, in fact, cancel my autopay and it has continued and still is pulling from the old account on a bi-weekly basis. I've reached out multiple times via secure message within the account AND a letter sent directly to Caliber. I've asked to speak to a manager or someone who can help me update my payment information and each time, I was advised that I would hear from a manager within 7-10 business days. It has been 18 business days and I have not heard from anyone. I have submitted bi-weekly autopay forms several times and each time, I receive a new blank form with the message that my autopay information has not been updated because my account must be paid one month in advance to set up bi-weekly autopay. Meanwhile, we already paid the account one month in advance to set up the bi-weekly autopay originally. I have included detailed instructions that I've already done this and I'm not looking to set up a new autopay, I only want to update the payment method on my current bi-weekly autopay and no one seems to be able to help me. Here I am, waiting in limbo and taking great pains to ensure the old account has sufficient funds to continue covering the payments that continue to be pulled from the wrong account against my wishes. I guess I'll have to keep waiting additional business days until a manager finally contacts me. Either way, we're so frustrated with Caliber and their lack of customer service that we almost want to refinance JUST TO AVOID DOING BUSINESS WITH THEM EVER AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not responsible of these account. I am a victim of ID theft. People have use my information to open them, and perform fraudulent activities

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Avant Holding Company, Inc.
State: KS

Complaint narrative:
Hi : I have tried to obtain copies of my old credit card statements so I could help other agencies, including Kansas Attorney General, with specifics. 

I requested copies of these verbally and in writing. I was told they would not provide this information. 

I believe their behavior is unethical and illegal.

Company response to consumer: Closed with explanation