vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I logged into Robinhood to sell my assets and move the money to my bank. Robinhood is blocking the transaction with a general error message and I have no other way to get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I was an authorized user on a USAA credit card account. This account was opened in XXXX of XXXX. The account was charged off in XXXX of XXXX and settled in XXXX of XXXX. I have requested removal of this account from my credit report however all USAA did was update it to reflect that the charge off was settled. I have made multiple requests and still it remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I am homeless I dont have the funds to repay the loan At this time. A letter was written to the company to stop taking automatic payments/ACH authorizations from my bank account on XX/XX/year>. I Informed the company that I was revoking authorization of debit and via electronic funds being taken out of my account, the revocation applied to any and all future debits. The company has still been charging my account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NM

Complaint narrative:
I lost my job last year back in XXXX and then has to deal with multiple family problems. 
I submitted documents to reduce or modify my payments for 6 months. they never respond or send any correspondence. I borrowed money from family and made 6- 7 partial payments ( XXXX dollars each time ) they keep returning the check and adding company fees to the total amount due a month later I have made numerous phone call and there is no one to speak to Sunwest mortgage XXXX XXXX XXXX mail and emails I just get a generic response. 
I was told by neighbors this company selling houses without any notice to the owner. 
I just send a check for XXXX and monthly payment of XXXX dollars and they send the checks back again XXXX month later asking for more money. 
Please help me. 
I understand that these companies want to raise my interest rate instead of reinstating the original loan and that is not fair.I read that many mortgage companies are doing this to female home owners like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
Dear Sir or Madam, Earlier this year I applied for the Colorado Property Tax Deferral Program. This is available for senior citizens who meet certain requirements. I was approved for the program, which means the State of Colorado paid my XXXX property taxes due in XXXX. The amount was just over {$6200.00}. They file a lien on my property and the amount has to be paid back when the property is sold. 

Since my mortgage servicer, Citizens Bank, had already paid the first installment back in XXXX, the County where I reside, refunded {$3100.00} to them through a company named XXXX, which manages tax payments on behalf of mortgage companies. This happened on XX/XX/XXXX. 

I have called Citizens on three occasions in the past 30 days to inquire about this situation and have been told that they will do an escrow analysis to lower my payment and also possibly issue a refund of the overpayment. However, they have not yet resolved the issue and I was told again today to call back next week as they need to 'escalate ' the matter. 

I am a senior citizen with several medical conditions and applied for this deferral program because we are trying to reduce our expenses as best we can. 

Another issue I have with Citizens is that their online portal does not show any escrow information ( it used to several years ago ). I have brought this to their attention on multiple occasions and they just keep sending me to their IT department, who in turn proceed to do nothing. 

I ask the CFPB to reach out on my behalf to request that this issue be resolved and that they provide accurate escrow accounting in their online portal, like they used to. 

Thank you in advance for your assistance in this matter. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-03 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: MI

Complaint narrative:
While checking my credit report I noticed a collection from a Jefferson capital syst debit for {$1400.00} dated open XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX Bank showing that I owed {$42.00}. I called and found out that it was from a shoppers club. I explained that I did not make this charge. After several phone calls transferring me to supervisors, the calls continued to drop. Finally on XX/XX/XXXX, we got XXXX who transferred me to XXXX. Eventually on XX/XX/XXXX, I did speak to XXXX. She told me that she understood. She said the charge and the late fee would be refunded and that we have {$0.00} balance. 
XXXX XXXX, another {$18.00} charge for, no one knows. Spoke to XXXX and she stated that she would investigate. It would take up to XXXX days. However, I would still be charged for the late fees! 
We continued to receive letters that they were researching. On XX/XX/XXXX, we received a letter notification that the XXXX XXXX fee was valid. We continued to call. You will see that XX/XX/XXXX, that they are still trying to resolve the issue which will be resolved in XXXX days. We received letters showing different amounts owed. Then we received nothing more. Until XX/XX/XXXX with another different amount. Spoke to several more representatives who transferred and transferred and transferred with nothing being accomplished. We talked to dispute centers & fraud center. All promising to take off the balance to then get a bill in the mail. The letters were please XXXX, we need to resolve this! Call and were told we sent no such letter! Continued to receive letters but by this time my anxiety and XXXX XXXX were too much to deal with it. I have XXXX. This XXXX causes severe XXXX XXXXs and pain. Especially, when Im stressed. In XXXX, I was in the XXXX  in severe pain from these phone calls. I just could not handle it anymore. 
This has severely affected my credit report! We spoke to a lawyer and he advised us that this should be our XXXX step. 
As you can see from the uploads, we continue to get bills. We have received no letters from the investigation. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently obtained a copy of my credit report from all 3 credit bureaus. Upon checking, I can see that there are several unauthorized hard inquiries on my reports that are interfering with my ability to obtain credit and maintain a favorable score. 

The unauthorized inquiries are as follows : Experian : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted all three bureaus requesting to have these hard inquiries removed ; however, the response I'm getting is not providing the results needed to have this matter resolved.

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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Alleged Debt Account Number XXXX Dear Midland Credit Management, I am writing to dispute the validity of the alleged debt associated with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g Sec. 809 ( b ), I have the right to request and receive validation of this debt. Accordingly, I request that you provide me with the following documentation : Calculation of the Balance : Please provide a detailed calculation of the balance you claim is owed, including a complete payment history on this account. This should include the original amount of the debt, any interest or fees added, and all payments or credits applied. 

Documentation of Agreement : Furnish documentation that shows I agreed to pay this debt. This should include any contracts, agreements, or other relevant documents with my signature that establish the validity of this debt. 

Authority to Collect : Provide a copy of the agreement between Midland Credit Management and I that grants you the authority to collect on this alleged debt. I did not sign any contract with midland so there is none to show. 

State License Information : Include a copy of your state license to operate as a debt collector in XXXX XXXX including the license number. 

In addition, under the Fair Credit Reporting Act ( FCRA ), please cease any reporting of this debt to credit bureaus until the debt has been validated by me. Reporting unverifiable information to credit bureaus is a violation of the FCRA and can result in legal consequences. 

Please consider this letter a formal dispute of the validity of this debt. I request that all future communications regarding this matter be made in writing. Additionally, please note that I am keeping detailed records of all correspondence related to this matter, including a copy of this letter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to validate this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
See attached for the initial complaint. It's been 60 days and I have yet to receive an update from my initial complaint. I submitted in my initial complaint an email confirmation from XXXX confirming I returned the equipment. 

This small collections amount has harmed my credit unfairly and the matter was resolved in 2021. In fact, this account has already once been removed. It's now reported again on 2 of my 3 credit reports accounts. It need to be removed or I will take legal action for the harm done to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX Comenity Bank account has been closed since XXXX. They have been reporting on my Experian, XXXX for XXXX years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional 10 years.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I deposited checks with Bank of America the past weekend to avoid overdrafting my account. Deposits were XXXX and XXXX, I believe. Their system advised that funds would be available for purchases on XX/XX/03 and as of the next business day. The smaller deposit was even done with the bank during normal business hours, but the funds were not made available. When asked why the funds were not available they said it HAD to process for 1 business day before funds would be available. This has not been an issue in the past with funds usually made available right away but I understand that funds may not be made available during the weekend though they should honor the information provided to consumers on their systems

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 2024-06-03 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: Synovus Bank
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. SYNOVUS BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. SYNOVUS BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, SYNOVUS BANK whether is be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. SYNOVUS BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years.

This account is an adverse item they are reporting again without my permission which is against the law.

15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. 
Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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