vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX as well as XXXX that there had been a change to my credit report. My credit dropped XXXX points from XXXX to XXXX ( you don't get this type of score by not paying your bills! ) It listed MRS Associates as they reporting agency and said I owed {$59.00}. In digging deeper it said the original account that the debt was owed to was XXXX. I knew it must be an error and called XXXX immediately. It was the end of the day and they told me to call back on Monday which I did as soon as they opened. The person that I spoke with told me that it was for a modem that had not been received. We sold a 2nd home during COVID and XXXX sent us 2 mailing labels to mail the modem and 2 boxes back, which we did. We did receive a letter from XXXX saying that they did not receive the modem but my husband provided proof of the receipt from the UPS store.That was in XXXX or XXXX of XXXX and we never heard another word. They have our mailing address but NEVER did we get another notice. And NEVER did XXXX XXXX  ( which I verified also had our correct mailing address ) send us any type of notification before reporting me to the credit bureaus. I spent time on the phone with XXXX and eventually paid the {$59.00} to clear the issue and then took the issue up with XXXX. In my call to XXXX I aksed how they could turn us in to a collection agency without ever notifying us so that we had a chance to dispute it. The representative had no answer, he did verify that they had received two boxes, one on XX/XX/XXXX and the other on XX/XX/XXXX but could not tell me what was in the boxes, only that they still showed a missing modem. They got the modem, it just wasn't marked as received. I was told they would open an investigation to see if they could locate it. The account was XXXX years old, we never had a late or missed payment and were never notified that there was still an issue. I would like this removed from my credit! I just don't see how it's fair to never even notify a customer that there is an issue and turn you in and damage your credit. Both XXXX and XXXX verified our mailing address so there is no way we would not have received communication if either of them bothered to send us anything. I am furious that I had to pay {$59.00} for an item that we shipped ( and they received ) but even more furious about taking a hit to my stellar credit that I have worked hard to build and maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Repeated calls. Wants personal information before they can give you details including address Social Security number phone numbers full name. Very skeptical. Hung up the phone without giving them this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. 
Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. 
Payments made to XXXX. XXXX XXXX. 
XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. 
She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. 
Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. 
My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. 
Please if you need further assistance from me, I will be very glad to provide. 
PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: WA

Complaint narrative:
There is a completely different name that is on my background check information.I don't know a XXXX. I have no idea who this person even is. I don't know who that person is that is pretending to be me. They have tried numerous times to access my information.

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 2022-09-13 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: FL

Complaint narrative:
In XXXX I took a federal Perkins loan from the University XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with XXXX. On XX/XX/XXXX I made a dispute with Experian when I saw my credit score drop XXXX points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my XXXX  account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.

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 2022-09-13 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: MS

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MS

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
Consumer portfolio services opened XX/XX/2017, This account was XXXX XXXX XXXX and sold due total loss. In accordance with the fair credit reporting act. has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666bB : a creditor may not treat a payment on and account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-13 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone use my personal information open serval account, after I run my credit report showing there have 4 fraud account one of them is capital one, when I called capital one, they told me the account was open in XXXX on XX/XX/XXXX, I have been living in California since XXXX and never been out of state. 
After I contact capital one and send my ID, bank statement, tax report 1095c, social security copy and police report to prove my living address, but capital one rejects my request to remove the fraud account. Other three fraud account included XXXX, XXXX XXXX, XXXX XXXX ) XXXX they already remove the fraud account. 
Please help me to contact capital one to remove the fraud account and report to three National credit reporting agencies. 
Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid off a balance to a credit card company 6 days late. I called them and asked them to remove the late fee and they told me they could not remove it due to it being a closed account. First of all the account is showing as an open account and I have an available balance. They then charged me another late fee and interest on the previous late fee, I called them again and they offered to remove one late fee, now had they done this with the first late fee none of this would be happening. They are adding a late fee every month and interest on the late fees. The credit card is for a store that does not even exist anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit of {$7000.00} to my account that I received from my parents as a gift. On XX/XX/XXXX my account was frozen, I could no longer use my debit card, make withdrawals or make a deposit to pay my bills. I couldnt even sign in to view my account online. They froze my account while the deposit was pending. As Im writing this on XX/XX/XXXX, I still cant do any of those things. 

I called customer care XX/XX/XXXX and spoke to a lady named XXXX, I have her identification # as well. She told me that all o have to do to access my funds and account is to go in to a branch and speak with them. So I took off work early and wasted about 2 hours going there. Then I am told that they cant do anything. I am now accruing late fees for my bills and mortgage because I cant make a deposit to pay my bills. Along with negative marks on my credit and non stop stress affecting my work trying to get this figured out. They have done nothing to help in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
On XX/XX/2022, I received a letter from The Law Offices of Harris and Zine, a debt collection attorney. I called the original creditor on the letter listed as XXXX XXXX XXXX XXXX, XXXX. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of Harris and Zine to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of Harris and Zine to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up. 

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I closed this account in XX/XX/XXXX with a {$0.00} balance. The company illegally charged my credit card and my bank honored the refund since no services were rendered. They took my refundable deposit and have started to invoice a closed account since XX/XX/XXXX. I have not used any of their services and requested numerous times to stop adding late fees to an account that has been closed since XX/XX/XXXX. 

I have had several conversations and can not get the proper resolution. They sent my account to collections in XXXX where I received an invoice from Caine & Werner. I did not this company permission to access any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses 1. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts 1. XXXX XXXX XXXX Please Delete This Account From My Report 2. XXXX XXXX XXXXXXXX Please Delete This Account From My Report 3. XXXX XXXX Please Delete This Account From My Report 4. XXXX XXXX XXXX XXXX Please Delete This Account From My Report 5. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

I have attached 2 different FTC identify theft reports as well.

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 2022-09-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint against CIT Bank XXXX 

This bank has been holding my hard-earned money ( in no-penalty CD ) since XX/XX/XXXX with the excuse of under security review or possibly by the overreaction of their system ( though I authorized my husband to discuss about my account almost during each phone call ). 

I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I have been unable to move my money since XX/XX/XXXX, almost one month. Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, being an XXXX, feel being discriminated by CIT bank. 

Until now, I haven't received a single phone call or email from CIT Bank -- for almost an entire month ( 21 business days have passed )! Until now, I have not received a single phone call or email from CIT Bank -- for almost an entire month. I have not been able to access and move my hard-earned money either. 

The bottomline is that CIT Bank can not and should not hold customer 's money during an emergency family situation -- worst ever seen!! 

XXXX

Company response to consumer: Closed with explanation