vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have no clue what this about. I did not purchase any product or service from this company. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I tried to contact " rent recovery solutions '' in regards to an account they bought from " XXXX XXXX XXXX ''. 

At the end of my rental lease, XX/XX/2019, my final bill from " XXXX XXXX XXXX '' ( which I have proof of ), states I owe ( {$2400.00} ) significantly less than what the debt collector, " rent recovery solutions '', is stating I owe, ( {$7100.00} ) " XXXX XXXX XXXX  '', has held this incorrect amount over my head since 2019 and is restricting me from finding my own place to live and is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper sold my loan to XXXX XX/XX/XXXX. At that time they owed me {$200.00} and I was told it was being mailed. I never received. Mr. Copper stopped taking my calls and told me the payments were to be made by XXXX. XXXX stated Mr. Cooper did not give them the money to give to me. 

XX/XX/XXXX Mr., Cooper acknowledge by phone they had not sent me the funds and that they also owe me an additional {$2100.00} and {$150.00}. 

I am not able to get a human on the line to follow up on the statement that these checks would be mailed. I have not received and their phone tree gives limited options none are to speak to a human or to follow up on complaints. 

I am locked out of seeing old documents therefore I can not provide the back up needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
THE COMPANY REPORTED A FRAUDULENT DEBT AT ALL THE CREDIT BUREAUS WHICH IS NOT MINE.THIS COMPANY 'S FRAUDULENT ACTION RESULTED IN MY CREDIT SCORES PLUMMETING 50+ POINTS AND BECAUSE OF THIS ACTION I WAS DENIED A COUPLE OF CREDIT CARDS WHICH I HAD APPLIED FOR. THIS COMPANY 'S FRAUDULENT ACTION OF REPORTING THIS PRESUMPTIVE DEBT HAS DAMAGED ME. THIS COMPANY VIOLATED THE FAIR CREDIT REPORTING ACT BY REPORTING THIS NEGATIVE DAMAGING INFORMATION. THIS COMPANY NEVER CONTACTED ME BY PHONE AND/OR MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I need to report the US bank credit card for their balance transfer promotion. I took a $ XXXX balance transfer on my small business credit card because the US bank advertised it as a XXXX promotion for zero interest. Since my credit limit is $ XXXX, so I kept using the credit card, thinking they'd honor their promotion until 2025. It turns out that the US bank applies credit card payments to the lowest APR first. Therefore, I don't have any options to pay down my most recent purchases to avoid 26.24 % interest. In order to avoid interest charges, I need to pay down the full balance of $ XXXX ( $ XXXX transfer plus recent purchases ). It is false advertising from the US bank. How is this from a 15-month zero interest to 26.24 % just within one month? When I called, the US Bank credit card department said I signed their terms and conditions and that I should see how they apply for payments. Those pages are in small print and not in clear terms. I read their terms again, and they are just words ... without any clear meaning about how they apply for payments. I have been an accountant for 20 years, and as a number person, I think the US bank falsely advertised and treated their clients unfairly. Other credit card companies, such as XXXX XXXX, also have similar promotions. Unlike the US bank, XXXX XXXX applies payments to the highest APR first to horno their promotions. Any help to stop this false advertisement from the US bank will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Someone unknown to me applied for a JB Morgan Chase credit card 3 times. Those dates were XXXX and XX/XX/year>. I disputed those inquiries and applications and still 90+ days later my credit report has not been updated. I requested that the bureaus freeze my credit and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Be it known, that I, : XXXX XXXX Consumer /Authorized agent acting for the behalf of Principal/Trust Estate , being of sound mind and free will claims that said Financial Institution ; JP MORGAN CHASE has failed to provide me with all the written disclosures required by federal law. By doing so, my rights have been infringed upon, and you have gained an interest in my asset which is a violation of federal law. I am secured and I have the right to remain secured under the constitutional principles of the state and the rules and regulations for the Federal Government and the God-Given unalienable rights granted to me from God. I, authorized agent with full durable power of attorney, past age of Majority-Competent in Law. Registered Agent acting on behalf of Financial institution has failed to give me full disclosure, trespassed against the Trust Estate and continues unlawfully usurp funds which is caused the beneficiaries as well as myself pain, suffering, damages, deprivation and discrimination as a consumer/natural person, due to the negligence and lack of duty of care. 

Notice of lien, Security Agreement and Claim to All Property ; Fee Schedule, Penalties, Billing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16 CFR 433.2 Consumer Claims and Defenses Unfair or Deceptive Acts or Practices Notice of Claim to Interest : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Adverse Claim : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Notary : XXXX XXXX XXXX Executive Representative info : JP MORGAN CHASE Name : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-21 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I received a letter from a company named Innovis. According to this company, they are a consumer reporting agency who is collecting my information and storing it onto a report in their database in my name. 
This company sent information before and I freeze everything in their report database dealing with my personal information as I did not grated any permission to this agency to collect my information. I have no dealings with this agency and I would like them a cease and desist of any and all information and communication with me. 
This is how identity theft starts with the trapping over consumers rights without permission. Everything on this consumer report I deem as fraudulent because I have no knowledge of it. I invoke USC15 1681C2 as it is a violation of my rights. I also invoke permissible purpose USC15 1681ED as I do not know the intent or reasoning behind this company nor did I granted permission to my information. 
It is NOT a LAW for this company to violate my rights to privacy, infringement on my information is deemed theft. 
Please refrain from collecting any information on my behalf. I have enough problems with the regular XXXX bureaus unnecessarily and sometimes intentionally violating consumer rights. 
Again, I do not authorize or give permission for this agency to have access to my personal information as it is personal and private. This is a violation of my rights and privacy. 
My next step moving forward will be to formulate a class action suit again this company XXXX there is NO law that grants them ANY access to my personal information. 

Please refrain/cease from sending me any information about a file you do not have legal rights or authority to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested Debt Validation, a Signed contract with my signature and that this alleged charged off account wasn't discharged with the IRS by the original creditor. Never received anything from them besides a 1 page billing statement, they never provided the debt validation as requested in the letter I sent to them and I notified them that they were in violation of Federal, State laws and my copyrighted property XXXX XXXX XXXX XXXX and any variation of it was copyrighted and provided them with a copy of it and that it is registered with the UCC on my UCC-1 Financial Statement. I've notified the IRS of this alleged account and report this collection agency and the original creditor since it was a charged off account that was written off on there tax return thereby making it illegal to sell an account that has already been reported as a lost to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I was talking to a man online and exchanging explicit pictures with them. I was under the impression that they were a trustworthy individual and a real person, but after a point, they began to blackmail me by threatening to send explicit pictures of me to my friends and family over social media unless I began paying them money. I foolishly began sending money with the hope that they would stop, but it kept going. 

I was in contact with this person over the XXXX  app, their username is @ XXXX and I initially began speaking with them over Direct Messages on XXXX, their username XXXX The payments were sent via PayPal friends and family transfer to three different " people ''/ email addresses : " XXXX XXXX '' XXXX, {$50.00} " XXXX XXXX '' XXXX, {$50.00} and {$100.00} " XXXX XXXX XXXX  '' XXXX, {$300.00} and {$200.00} My PayPal account had an existing balance of ~ {$150.00}, which I was informed by PayPal was nonrefundable, with {$550.00} that came from my bank account under duress ( a total of {$700.00} I paid out ). 

I initiated stop payments with my primary bank, then PayPal issued the charges to my backup payment methods, flagging my primary bank 's fraud protection, freezing my credit card, and causing me to cancel it and get a new one issued. 

PayPal then charged ~ {$250.00} to my PayPal balance, leaving a NEGATIVE balance of - {$200.00}. I contacted customer service to ask why this happened and was informed by PayPal that the money would still be my responsibility because they paid upfront for the instant transfer of funds and, because of the transfer method, their fraud protection did not cover the exchange.

I asked the representative if my account was accessed by an individual that I did not authorize and they completed the same transactions if their policy would cover the fraud, and they stated yes. 

I then argued that if I transferred the funds while threatened/under duress how that would not be the same since I did not want or intend to send the money, and they stated that I should file a report with the authorities and the IC3 ( Internet Crime Complaint Center and FBI ) . 

Their solution was to initiate a refund request to one of the scammers/blackmailers email address, disclosing my personal email address to them outside of PayPal, who the blackmailers then used to contact me directly asking for " the reason I want a refund. '' I do not know whether or not I should continue contacting these people, I just want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: OR

Complaint narrative:
The contact information on my personal bank accounts is being changed and or added to without my consent! My question is why? Does the bank treat everyone in this manner, or just me? I've asked for this to stop for over 2 years now it's a gross invasion of privacy, discrimination and ethically wrong .I closed my checking and savings accounts over a year ago XXXX XXXX XXXX XXXX XXXX  and now it's happening again XXXX bank XXXX XXXX XXXX XXXX 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 2024-02-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

Absolute Resolutions Inv - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. Sates 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2024-02-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

Absolute Resolutions Inv - XXXX XXXX XXXX XXXX - XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. Sates 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2024-02-21 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:
I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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