vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: United Revenue Collection Service
State: PA

Complaint narrative:
On XX/XX/2019 United Revenue collections added a derogatory mark on my credit report per XXXX XXXX Upon further research, the account was transferred/sold and I am not responsible for the account. The debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can say its mine. According the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal action to remove this account 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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
paid dedt in XX/XX/2022 multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I made an additional principal payment to Mr. Cooper ( the mortgage company ) in the amount of $ XXXX. They received and cashed the check on XX/XX/2022, however they only applied {$78000.00} to principal on that day. The remainder of {$1600.00}, they held in their own hands and then applied it to principal and interest on XX/XX/2022 as if my normal monthly payment. Thus, I paid more interest than I was required to pay. I let them know this. They refused to back date the {$1600.00} to XX/XX/2022 ( when they received it ). I have screen shots saved of the chat dialog with them denying satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation student loan payment never late
DEPT OF EDXXXX

FCRA Violation auto loan payment never late
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 2022-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
The financial aid disbursement was deposited into bank mobile vibe account in mid XXXX XXXX funds were on hold due to identity theft, and I went through all the necessary steps to clear the hold and now they have no record of that financially dispersants being deposited into the account. they promise provisional credits, and I never receive those. Its now been over 45 days. They still arent cooperating following or following their regulations. I have yet to see a deposit, and I am going to fail my classes. It doesnt seem like its a priority to them. Theyre unprofessional the way that they answered the phone and the way that they and the way that they talk to me is extremely rude.

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: LA

Complaint narrative:
in summary ( beforehand! ) can the bank, where my XXXX check is automatically deposited, force you to install an " app '' in order to view your transactions online? 

since inception of said account i have used their website to log into my account so i could view all transactions. suddenly they changed their manner of logging in. this is where the problems begin. 

they have a redirect to a certain url for certain numbers. this new url is literally not functioning in any way and the directives are very confusing and unclear. several follow-up attempts to contact them only results in recorded messages and when you've heard all they have to " say '' - the call is dropped. 

i liken this denial of viewing each transaction does not enable me to have any confidence of what my balance is at any given time. 

please advise me of what can be done XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CA

Complaint narrative:
On XX/XX/2022, I mailed a letter to Experian stating that they needed to block or delete fraudulent accounts from my credit file as per the law FCRA 605 ( B ). FCRA 605 ( B ) the states that credit bureaus must lock or delete said fraudulent accounts within four business days of receipt of a police report naming these accounts. 

Included on my letter mailed on XX/XX/XXXX, was a letter clearly stating identity theft, my information, specific names and account numbers as well as balances of fraudulent accounts. I also included a copy of my passport and Social Security card with Social Security number. In addition, I included my official XXXX XXXX police report from XX/XX/2022 ( incident # XXXX ) which clearly states the name of fraudulent accounts and balance, as well as all my details and all police details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still fraudulently reporting on my credit reports. These items need to be deleted immediately, or I will pursue immediate legal action as I have evidence of this illegal violation. I also have a police report and other legal documents backing up my claim. 

This is illegal in a violation of the FCRA. FCRA 605 ( B ) clearly states : FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under ( Link : XXXX : XXXX ) I have done exactly as I was told and this is now a documented violation of the FCRA. Please block or delete this accounts from my credit report ( s ) immediately in compliance with the law.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wrote a check, check number XXXX to be exact, from my PNC Bank Account on XX/XX/XXXX for {$15000.00} to the XXXX XXXX XXXX XXXX to pay taxes owed to the IRS. The check cleared PNC Bank on XX/XX/XXXX, but the IRS says that they can not find the money in their accounts. They first asked for a copy of the check written, both front and back, and then they also asked for my XX/XX/XXXX Bank Statement, which clearly shows the check clearing my account on XX/XX/XXXX. I have sent them copies of the check and my statement on two different occasions. I have also spoken on the phone to IRS agents on 2 separate occasions, and they said that they can not trace the check from the series of numbers that are on the back of the check. The last agent I talked with told me to have my local bank give me proof of where the funds went to by doing a tracing, and that once I have the tracing, to call back to the IRS and fax them the proof. I have asked my local PNC branch XXXX, XXXX, two different times, at the beginning and also the middle of XXXX, to do a tracing on my check, # XXXX, to the IRS, as per their request. He called down to ask them to do the tracing and they said they would mail it out to me, but I have never received anything. When I called and talked to the XXXX on XX/XX/XXXX, he said he would look into it and get back to me the same day, but never did, and one week later, he still has not called back. He seemed reluctant to do anything more to get the tracing done for me and was not even sure if PNC could even do a tracing on the check. All I am asking is to get proof of where the {$15000.00} from the check I wrote exactly went to, in order to prove that the IRS received the funds. Please help me because I only have 10 more days to respond to the IRS letter, and in the mean time penalties and interest are accumulating on the original {$15000.00}. Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: MI

Complaint narrative:
Equifax is not properly investigating my disputes. I have mailed them a XXXX page dispute letter certified mail. I am requesting that they complete a thorough investigation as stated on the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was purchasing a timeshare but due to a tragic death of my husband and myself being unable to use it because I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I was forced to sell the timeshare. 
After the sale, the timeshare company billed for the monthly charge and maintenance fees. I notified XXXX of the mistake and notified the credit card company, Barclays, of this as well. XXXX said they would notify the credit card company and after I notified Barclays the error was to be adjusted. Barclays never made the adjustments and added late charges and fees and sending a bill each month. I, and family members have made multiple calls to Barclays to get this resolved and have been told it is a XXXX balance and late fees are reversed but they continue to bill each month with a credit and additional fees. 
They have reported my account to the credit burials and have ruined my excellent credit. And they canceled the card, not that I used it.

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 2022-12-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. Equifax, XXXX and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 time

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I had a notification from the XXXX XXXX department  that there was an online transaction that was blocked as it was an out-of-state transaction. 

Then I noticed that my debit card was added to XXXX XXXX XXXX, which I do not use in the first place, as my devices are only XXXX based. Then I saw that there were multiple transactions being done from ATM withdrawals using the XXXX XXXX wallet from my account. 

There are three transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  done on XXXX XXXX. I called the bank and asked them to close the debit card and issue a new one, in addition to removing the digital wallets my card was associated with. 

Then on the next day, XX/XX/XXXX, there were similar transactions made out of a new debit card to which I had no access, but linked to my account. The transactions were XXXX $ and XXXX $ each. 

I specifically pointed out to the Chase team to block the digital wallets and filed claims stating that the wallet used was nowhere related to me. But then, the claims were rejected stating the fact that they were digital transactions made through a tokenized system. 

The point here is the transactions were not made by me and the bank has a pretty poor response that it was not their responsibility. I feel scammed by the bank as it was supposed to have better security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.S 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : 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.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Transaction Alerts : Charges placed on your XXXX {$2100.00} on XXXX customer care to cancel XXXX ignore if you acknowledge thank you. 

The above message was sent as a text message from ( XXXX ) XXXX. I could tell by the XXXX  of the message that it was NOT from Bank of America as it suggests. 

I called the XXXX number just to mess with them, as I do not have a Bank of America account. I asked where the call center was and XXXX said XXXX XXXX. The text message has an XXXX  area code. 

These people are phishing and need to be stopped

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 2022-12-02 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: LA

Complaint narrative:
After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$1000.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. I request an investigation in writing, and a return receipt requested from the credit agency.

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 2022-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I paid extra payment on the end of my lease {$490.00} as a credit and when I called for refund adjustment the financing department refused to refund the extra amount I paid and they are requiring more payments on top of what was agreed my lease

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Recovery One, LLC
State: FL

Complaint narrative:
Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX  XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation