vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We made a deposit of 26 checks to my savings account on XX/XX/2023 in the amount of {$22000.00}. This deposit was done at a teller window and the teller gave us a receipt for the same. When the bank processed this deposit of 26 checks I received a listing within my account activity of a chargeback of 25 of these 26 checks charging back as a debit of {$21000.00}. On XX/XX/2023, we went to the bank and the manager who had handled this deposit said that they had misplaced 25 of the checks. Then the manager looked and stated that she had found these missing 25 checks and that they would provide a credit for the error amount of this {$21000.00}. 

Still no credit or any of our money and no further explanation by the bank. 

I have attached to this complaint a copy of the receipt and a copy of the activity within my account

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 2023-06-03 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Re : Letter to remove inaccurate credit information To whom it may concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months. 

Please send an updated copy of my credit report to the address on file. 

Thank you for your prompt attention, time and help in this matter.

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 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX an account with XXXX XXXX was discovered on my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and filed police report. XXXX XXXXXXXX is still not removing this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a Loan Modification with Flagstar Bank and was offered a XXXX % modified interest rate. The loan mod paperwork was incorrect so I went back and forth with Them to get it corrected over several months. When the new paperwork was sent out in XX/XX/XXXX, the interest rate jumped up to a XXXX XXXX rate. When all title info was corrected, Flagstar Bank sent out a Trial Plan Agreement that went up to {$4400.00} for 3 months. I managed to pay the three payments and when the modification paperwork was sent to Me the interest rate jumped up from XXXX XXXX XXXX XXXX XXXX and the monthly payment was {$4400.00}. On XXXX XXXX I sent Flagstar My completed documents and on the XXXX They could not accept the documents due to an error that was Their fault. They resent the documents to Me and the Flagstar paperwork stated that They would be sending a mobile notary to finalize the docs but that never happened and so Flagstar closed My mitigation. On XX/XX/XXXX, I was approved for a partial claim due to XXXX and monthly payment of {$3800.00} at a XXXX  % interest rate. The paperwork sent to Me still had My Wife 's Maiden name on the Title docs after all this time spent correcting it and closing My modifications.

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 2023-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: MS

Complaint narrative:
I received a credit alert that stated my credit debt had increased by {$1000.00}. Upon checking my credit I realized an old debt from Republic finance had now increased from {$3100.00} to {$4.00}. they also reported on my credit that I made a payment on XX/XX/XXXX that is not true my last payment was in XX/XX/XXXX before my accident. I am starting to rebuild my credit and this hurts my chances I would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
In mid XXXX I was hacked on XXXX  and then able to access cash app in whichi had XXXX took and them showed XXXX  refunded it but never did when noticed all the stuff going on I logged into cashapp and took raining XXXX and had it sent back to bank. Which they show it was sent but I never received and they denied my refund. They have no info from there side to match my proof. It seems like they have perfect scam u give them Ur money they hack your account then when try get them to stand behind the actions they deny it if that's how allowed to do it then I want everyone give there money to me so I spend it and then say not my fault it is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: OH

Complaint narrative:
I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My aunt recently endorsed her check to me and it was placed on 7 day hold. When I went to the bank to make a withdrawal I was informed that they couldnt release the funds without contacting my aunt. My aunt who was unavailable at the time. I have an incoming direct deposit and without being informed my account is unavailable for me to view. Please get back with me as soon as possibl with the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
I have already submitted complaint on this company that they are doing fraudulent activity and that the needed to verify the debt with documents that XXXX XXXX me to it and they have passed 30 days and almost over 60 days and they are non responsive.

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 2023-06-03 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: FL

Complaint narrative:
Upon looking over my credit reports Equifax, XXXX and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
Equifax Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through Experian. XXXX nor Experian provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I obtained a citizens line of credit for a XXXX security system. The line of credit has an automatic payment option. My debit card was compromised so I made a payment over the phone then on the companys website updated my autopay with new card. I received a phone call from their company saying that I had over due payments. This obviously occurred late fees penalties and a false negative on my credit report. The representative of the company citizens pay state that automatic payments are not automatic and that individual transactions must be authorized each time and automatic payments are not automatic. This is absolutely alarming and to me feel absolutely scammed and mislead into believing something is automatically being drafted when it is not. The citizens pay contacted me today after the bill was over two months behind. They admitted over the phone that yes I did in fact update my information as I stated. Please help with these fraudulent practices and help me resolve the issue I am having. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: OH

Complaint narrative:
I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: OH

Complaint narrative:
I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

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 2023-06-03 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, as they are clearly in violation of the law. According to 15 USC 1681b, which pertains to the permissible purpose of consumer reports, the law explicitly states the following : ( a ) IN GENERAL : Any consumer reporting agency is allowed to furnish a consumer report only under the following circumstances and no others : ( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

I want to bring to your attention that I did not provide any written instructions to Experian to include certain information on my credit report. Therefore, their actions are in direct contradiction to the law stated above. 

Additionally, as per the Fair Credit Reporting Act ( 15 USC 1681 ( 2 ) ( a ) ( i ) ), exclusions from a consumer credit report are clearly defined. The Act specifies that the term " consumer report '' does not include the following, except as provided in paragraph ( XXXX ) : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as the transactions or experiences between the consumer and the person making the report. 

I request that Experian promptly updates the late payments on my consumer report, as their failure to do so is a violation of 15 USC 1681. Furthermore, I insist that they provide a free copy of my report after the necessary changes have been made. 
The accounts are XXXX XXXXL XXXX, XXXX Failure to respond satisfactorily to my complaint and to comply with the aforementioned requests will leave me no choice but to pursue legal actions against Experian. In such a case, I will seek {$1000.00} per violation for the following charges : Defamation of Character Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) Violations of the Fair Credit Reporting Act ( 15 USC 1681 ) for willful noncompliance I appreciate your attention to this matter and kindly request that you investigate this complaint against Experian. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure the enforcement of consumer protection laws.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and I keep sending documents over and over for them to resolve this issue.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I keep sending documents over and over for them to resolve this issue.

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