vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, EOS CCA reported a debt collection action against me of {$1500.00} from a XXXX account billed to this address ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY In XXXX I noticed this on my credit report and I disputed it through XXXX. XXXX  informed EOS of my dispute and the company stopped reporting it to the credit reporting agencies on XX/XX/XXXX. 

It was still on my reports so I called EOS XX/XX/XXXX, and spoke to XXXX XXXX or XXXX? ) XXXX I confirmed the debt was from XXXX, and that the address that EOS and XXXX reported to the credit reporting agencies was the address above. I sent the collections agency a letter proving that my address is located in another city, that I have never had an address in XXXX and that I have not had a XXXX account for over a decade. 

XXXX a member of the " management team '' at EOS confirmed that this debt is under fraud investigation, that EOS is no longer the reporting agency of the debt. She told me that EOS received my letter of disputed address. 

I called EOS and spoke again to XXXX XXXX on XX/XX/XXXX. XXXX connected me to XXXX from the " management team '' who confirmed that EOS has opened a fraud investigation. They are no longer reporting the collection against me. They cant send me a letter that resolves me of responsibility though because they only have letters that state the total balance due. Apparently EOS does not have a process to resolve these types of mistakes that they have made. Perhaps they do not have any employees who know how to type a letter. 

On XX/XX/XXXX I spoke to XXXX at XXXX to have the item removed from my credit report. XXXX is unable to do that because she needs to hear from EOS that the debt is not in collections. Since the employees at EOS are not capable of communicating this, the debt is still listed on my report, damaging my credit worthiness. 

I don't know if the original debt was the result of someone using my name to obtain a XXXX account. But I do know that EOS is causing me harm by refusing to communicate with the credit reporting agencies and I am reporting EOS CCA for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To whom it may concern, It sounds like Chase may be in violation of the Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. and its implementing Regulation E. By intending to initiate an electronic funds transfer from my bank account ( as defined by 15 U.S.C. 1693a ( 7 ) ), the transfer of {$1100.00} is a transaction subject to Regulation E and EFTA. See 12 C.F.R. 1005.3 ( b ). Chase obtained authorization from me for this transfer but did not comply with the requirements of Regulation E and EFTA. Specifically, Chase completed an electronic funds transfer that did not arrive in my receiving bank account ( XXXX XXXX XXXX ) due to a computational error made by Chase as a financial institution. 
This error was a result of me giving Chase accurate information, i.e., logging in to my XXXX online banking account through Chases transfer platform and giving Chase access to my XXXX credentials. Chases transfer platform allowed me to select an Account that Chase interpreted and extracted incorrect data from. I relied on Chase presenting me with the option to select this account, understanding that Chase would take necessary information to ensure that my transfer of {$1100.00} would end up in my XXXX account. If the XXXX savings account that I selected was not considered an ACH account by XXXX, Chases technology should not have allowed me to select it as an account or should have a technology process in place to deal with such scenario. I did not make any errors on your part e.g., typing in an incorrect account number. Further, after not receiving the funds and opening disputes ( see attached ) with Chase, Chase denied my claims and provided me with contact information to receive documentation as required by 12 C.F.R. 1005.9 or 1005.10 ( a ). After me as the consumer requested that documentation, Chase likely committed another violation of the EFTA and Regulation E by not providing documentation for additional information or clarification concerning an electronic funds transfer. 12 C.F.R. 1005.11 ( a ) ( 11 ) ; 12 C.F.R. 1005.11 ( c ) ( 1 ). 

I have requested, and failed to receive, any actual evidence or documents that Chase relied on in making its determination, instead i received attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have an account on my Credit Report that is now obsolete and should be deleted as the age of the account is over XXXX years old as of XX/XX/2023. The account as it should have was removed from my XXXX report in XX/XX/2023. In XXXX the account was still being reported to Equifax and XXXX. I have opened and filed disputes with these agencies and XXXX completed the dispute and deleted the account and it is now gone from my report. Equifax will not delete the dispute. They have closed my dispute and their resolution was an " Updated '' the account. As previously stated this account is over XXXXyears old. The account is an obsolete record and it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I was went to PRA website and saw announcement that a CFPB Order thatrequiresPortfolioRecoveryAssociates, LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to PRA XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above PRA starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
FSA loan repayment is not a life time commitment until you die. Who is Nelnet the XXXX? 

All borrowers with loans held by XXXX ( Direct Loans and federally held FFELP Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans. 

This is in accordance with the Department of Education 's rules governing repayment of Student Loans. 

My loan was consolidated in XXXX with XXXX not Nelnet and, at that time in accordance with the Department of Education rules for FSA repayment of Student Loans was scheduled to close in XXXX not be transferred to Nelnet and have 3 additional non existent school loans added to my FSA in my FSA loan account. 

Close my loan now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IL

Complaint narrative:
I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX and affecting my ability to sleep.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CT

Complaint narrative:
Good morning, on XX/XX/ I received a deposit of {$100.00} that brought my account to {$100.00} with Cash app, about an hour later I saw that funds was taken and I only had {$26.00} in my account normally when a transaction take place I receive an email telling me the amount that was taken and who the funds was taken from when I never received the email I immediately thought it was a fraud charge so I called in to Cash app and spoke with a gentleman that was very rude and stated that I had did a XXXX purchase in the amount on XX/XX/ in the amount of {$38.00} and another on XXXX in the amount of {$36.00} he stated that there was a technical error on their end and that I paid XXXX but the funds was never taken from my card I then stated that I didn't understand and that I would like the funds back onto my card the gentleman hung up on me. I then called back and spoke with a young lady she stated the same thing I let her know that I checked both statements and I saw that the funds were deducted and would like my money back the lady stated that they was not able to give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: FL

Complaint narrative:
It started with a pre appointment letter in the mail for debt consolidation. When my husband and I called to talk to an agent, we were told that we would not a able to get a debt consolidation loan, even though we were pre-approved, and that our other option was debt negotiation. 

We decided to give it a try and signed our contract on XX/XX/2023. On the XXXX of every month, an automatic payment of {$640.00} was withdrawn from my husbands account. 

We did not receive any kind of update on the progress of our negotiations from Infinite. In fact, at one point I spoke with one of the credit card companies that were now calling me several times a day, and was told they had not received any kind of letter informing them of future negotiations. 

After three months of nothing, we decided to cancel our contract with XXXX XXXX XXXX. I mailed a copy of the cancellation form on XX/XX/2023 and tracking confirmed delivery on XX/XX/2023. 

The week of XX/XX/2023 my husband called Infinite to confirm cancellation, since he had not received a cancellation confirmation email from them. He was told that they did not receive the cancellation form, but could cancel our account over the phone. 

The week of XX/XX/2023, we have still not received a cancellation confirmation email, so my husband called a second time. He was told that our cancellation was set up but not submitted, and they could once again do it over the phone. 

My husband called Infinite again today XX/XX/2023 just to confirm that the cancellation was completed and there were no problems. He was told that the cancellation was complete and that we would be receiving a {$200.00} dollar refund and the remainder of our funds were going towards fees. 

We have paid approximately {$1900.00} to XXXX XXXX XXXX over the last three months. They have not done any work towards negotiating our debts. I feel that it is unfair of them to withhold a majority of our money for services that were not rendered. 

I can not explain enough just how little they actually did. And to say that we will not be receiving a full refund, because we did not cancel within 30 days of signing our contract. When signing our contract we were not informed of this and were told that we could cancel at ANY time. 

Infinite Law Group is scamming people and taking their money! Before this started, I had a XXXX XXXX of XXXX and now it is at a XXXX! None of my accounts had any late payments and now they are ALL delinquent! I was instructed to not make payment and to not answer the calls, and they were doing nothing to resolve the situation! 

The fact that they have a clause in the contract that you cant file a class action suit of any kind against infinite law group is all you need to know about this business. They are scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I am a victim of identity theft, and the accounts below were were opened by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

I have called and mailed my identity theft reports to XXXX and Transunion via certified several times Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report credit reports and only send stall letters that have already be sent to me many times in order to avoid correcting my credit reports. 

The account below was not opened by me and needs to be removed permanently from my credit reports : XXXX XXXX XXXX XXXX The identity theft reports were mailed via certified mail to XXXX and Transunion, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Sincerely, XXXX 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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I just noticed an account from synchrony Bank from XX/XX/2019 this is identity theft fraud I need this removed from my consumer report 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION
State: OR

Complaint narrative:
Banner Bank changed the Connected Checking Account, no minimum balance fee that I opened on XXXX without my knowledge and charged me {$4.00} on XXXX, XXXX, XXXX, XXXX, XXXX and XXXX for a total of {$24.00} Banner Bank changed my phone number and email address sometime after XXXX so that I was unable to access my account online to view statements or notices.I was finally able to go into the Banner Bank at XXXX to get my online access restored so that I could access my statements on XXXXThe account was opened expressly because Banner Bank advertised free checking with no minimum balance fees but started charging minimum balance fee of {$4.00} starting XX/XX/XXXX. There was no notice informing me of this change on any of the statements that I was able to access on XXXX.I would like the {$24.00} for the minimum balance fees refunded and for Banner Bank to honor the original agreement for no minimum balance fees.I am including the statements from the opening of the account XXXX through the XXXX statement showing no minimum balance fee before XXXXI am also including the flyer from Banner Bank as of XXXX showing that there is no minimum ongoing balance required and no *************** Charge. 

There is no evidence that the supposed letter was sent in my online account once I gained access after a Banner Bank representative blocked my online access by changing my email address by 1 letter and changing my number by 1 number, which made the authentication codes needed to logon go to someone else.

My attempts to resolve this prior to this between XXXX to XXXX were unsuccessful. I have complied with the requirement that I was aware of to not allow the account to be inactive for 12 months as seen by my record of deposits. 
I do not have any certified mail to verify that a notice was mailed by Banner Bank. 
I maintain that I did not receive any notice verbally when making the deposits in person or via US Postal Mail. 

As of XXXX the {$24.00} in fees have not been returned to my account. 


Sincerely, This is the response received from Banner Bank via XXXX on XXXX ; Business response XX/XX/XXXX Thank you for bringing this complaint to Banner Bank 's attention. The Bank takes all complaints seriously. On XX/XX/XXXX, Banner Bank made changes to personal checking and savings accounts, the required 45-day account change notification along with new terms and conditions were mailed to all Banner Bank clients prior to the changes going into effect. The complaint has been forwarded to management for further review, no additional comments will be made due to privacy laws and regulations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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