vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My servicing transfer from XXXX XXXX XXXX to Mr. Cooper ( Nationstar ) on XX/XX/XXXX won me a payment increase of 9 %. 
I completed a loan modification with XXXX XXXX XXXX on XX/XX/XXXX that includes impounds for taxes and insurance. At that time my escrow was analyzed and monthly payments for property taxes and hazard insurance were properly calculated. 
Mr. Cooper decided to increase my payment to add 2 months of 'cushion ' and when I called them to ask about my property tax and hazard insurance payments year over year, they told me my property taxes were the same and my hazard insurance decreased. 

Why should I be harmed by a servicing transfer that I have no control over and a new company that wants 2x, 3x, 4x or whatever they choose to ask for 'cushions? ' I know that the CFPB is considering allowing consumers ( borrowers ) to be able to choose which company they want to service their loan. Cases like mine illustrate why that is a phenomenally good idea. Mr. Cooper wants fat escrow balances so that they can get large interest income in a rising rate environment. I'm sure they look for this as part of their servicing acquisition modeling and strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corp. is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Control Corp. or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Control Corp. I have yet to witness a " wet ink '' signature between XXXX XXXX and Credit Control Corp. nor have I ever received a True Bill in commerce in regards to this account. Credit Control Corps has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. Systems is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with I.C. Systems or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with I.C. Systems. I have yet to witness a " wet ink '' signature between myself and I.C. Systems. nor have I ever received a True Bill in commerce in regards to this account. I.C. Systems has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo provide the checking and savings accounts to XXXX and encourage people to set up a direct deposit. But no XXXX neither Wells Fargo allow any other bank to use my money for free as they do, neither they allow me to use my money that should be available to me immediately and it is not. I struggled to add XXXX account as external account to XXXX XXXX, instead XXXX keeps my money with Wells Fargo. 

On the other hand Wells Fargo denied my application for a credit card. 

I already lost up to {$1000.00} with XXXX resistance to transfer my money virtually at my request. They will keep my money on hold for a week instead of transferring immediately. Sometimes my threats to complain to CFPB helps to speed it up for next day, but not always.

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lewis, McDonnell & Associates
State: VA

Complaint narrative:
Lewis McDonnell & Associates is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Lewis McDonnell & Associates or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Lewis McDonnell & Associates. I have yet to witness a " wet ink '' signature between myself and Lewis McDonnell & Associates. nor have I ever received a True Bill in commerce in regards to this account. Lewis McDonnell & Associates has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I'm filing the following complaint on behalf of my elderly mother/patient with who is a XXXX XXXX XXXX against provider : XXXX XXXX XXXX XXXX XXXX Service : Ambulance Service for XXXX XX/XX/XXXX. Complaint regarding provider not properly billing copay cross claim and erroneously sending copay to collection agency. 

When XXXX sent initial statement for copay {$200.00} on XX/XX/XXXX. I contacted XXXX customer service dept. on XX/XX/XXXX at XXXX and spoke to a representative and provided XXXX XXXX CA XXXX XXXX ID XXXX number informing provider that my elderly mother had XXXX XXXX to cover copays , coinsurance and deductibles, in addition to her primary insurance XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I was inform to allow 30-45 days for claim processing. 

On XX/XX/XXXX, I sent an email to provider XXXX at ( XXXX ) to follow up on billing issue since XXXX continued to send monthly billing statements. XXXX XXXX customer service dept. responded on XX/XX/XXXX, stating account was updated and info forwarded to billing dept. for processing and to allow 30-45 days. 

XXXX failed to take the appropriate action to bill and/or never submitted the claim to the XXXX and instead sent the account to collections and violated the federal law that prohibits XXXX provides from billing XXXX Qualified XXXX Beneficiary program recipient for any XXXX Cost-Sharing copays, XXXX and deductibles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: MO

Complaint narrative:
The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF ED/ XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : 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 2022-09-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-09-25 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a customer of chase for 7 years- they decided to close my account with no explanation and on top of that they will not release my funds from my checking and savingsMY money I need to pay bills. This happened XX/XX/23 and they refuse to help just says I have to wait until they decide the final amount I will be mailed in up to two weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Millco Management
State: NJ

Complaint narrative:
I have a medical collection from Amerifiancial solutions for {$630.00} on my experian and XXXX report. I havent been to a medical provider in over 20 years. I disputed it 3 times and still there. Also I contacted collection company and asked for a bill in my name that led to collection and never received anything

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: MO

Complaint narrative:
The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF EDXXXX XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I sold cryptocurrency ( " XXXX '' ) for XXXX ( United States Dollars ) in the amount of {$280.00} on the crypto.com virtual currency platform. After this transaction was complete, I attempted to withdraw my United States Dollars to my XXXX XXXX XXXX XXXX XXXX Account only to find out that the " Plaid '' app that crypto.com uses to integrate bank transfers " does not Support '' transactions for XXXX XXXX XXXX XXXX XXXX. I then contacted crypto.com customer support to request that they manually initiate an ACH transfer to my XXXX XXXXXXXX XXXX  Account since the " XXXX '' app that they use does not support my bank and they simply told me to " try a different account ''. At this point I repeatedly told various customer service representatives at crypto.com that I don't have another account and they need to initiate an ACH transfer or get me my money in some other manner and they simply repeated the same line of " try another bank account ''. Therefore, I am filing this complaint so that consumerfinance.gov can direct crypto.com to either initiate a manual ach transfer to my bank account or find another way to grant me my money. As a note, crypto.com 's documents regarding why a bank account may not be able to connect to crypto.com only list two reasons with those being 1. the bank has a New York state address and 2. the bank does not support ACH transfers. My bank is not does not have a New York XXXX address ( it has a Pennsylvania address ) and it does support ACH transfers. Therefore, no one would have any way of knowing which banks are supported and which are not before conducting financial transactions. I will attach a screenshot of this verbiage from their website for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent the letter on XX/XX/2022 to Experian XXXX XXXX and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law 15 USC 1681i procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller

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 2022-09-25 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: GA

Complaint narrative:
inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

15 u, s.c 1681 section 602 A. states i have rights to privacy.

15 u, s.c 1681 section 604 A. section 2 ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

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 items of information, other than records of convictions of crimes which antedates to 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
In trying to refinance my home, Amerisave has behaved in a misleading fraudulent and unethical manner In months of providing documentation and answering questions and jumping through many loops this company lost documentation, passed me along to multiple representatives who only repeatedly asked for the same information over and over. I tried escalating the issue in which it appears they retaliated by dragging the refinance process along as long as they could, never actually finishing the loan process. Also they agreed to refund my money for the application fees but the funds were never received. 

XXXX XXXX lied about the refund XXXX XXXX repeatedly lost information and asked for the same information be sent in numerous times, essentially stalling out the process XXXX XXXX pulled my credit report the day they stopped my application, Amerisave should have this credit inquiry removed from credit report under fraudulent circumstances XXXX XXXX claimed to be an XXXX XXXX XXXX who picked up the file in order to get it closed, made many promises and never followed through with anything. 

This company sends an automated list in an email of required documents but the Amerisave team isnt even familiar with what is required or who provides it

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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days.

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 2022-09-25 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-09-25 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief