vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: Kriya Capital, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
This is regarding Cash App, a unit of Square. Without warning on Saturday XX/XX/2019, my account was closed. I had just about {$220.00} in my mobile balance and I have been unable to withdraw funds per their instructions. I contacted customer service via email and XXXX because they do not provide a phone number for issues, which in and of itself is an insane thing, and was told they had not heard from me regarding a case for a week so they closed the case and my account. I can not withdraw my funds and I have no idea what's going on. They are totally unresponsive and, again, they do not provide a phone number to speak with someone for complaints like this. All I want to do is maintain my account, discuss whatever this case is that they said I did not respond to when in fact I was never notified that there was a case requiring my response, and withdraw the money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
i discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.

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 2019-08-26 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: CA

Complaint narrative:
All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now Transunioun, XXXX and XXXX continue to report a discharged zero balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.

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 2019-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 I cashed a {$400.00} check at Peoples United Bank on XXXX XXXX in XXXX XXXX, Ma, XXXX at the drive through window. The bank employee gave me an envelope with what I assumed was {$400.00} in it ; I trusted the bank and did not count it. I drove directly to my credit union with the unopened cash envelope, XXXX in XXXX, MA, and went inside to the ATM to deposit {$380.00} into my credit union account. At that time I opened the envelope and counted 14 {$20.00} bills, 2 {$5.00} bills, and 1 {$10.00} bill. There was only {$300.00} in the envelope which should have contained {$400.00}. I recounted the money several times and also had a credit union employee count it. I was definitely shorted {$100.00}. 
I immediately called Peoples United Bank and explained what had happened. This was approximately 15 minutes after I had left Peoples United bank. I spoke with a woman who said she had waited on me and would count the drawer. She also said that she remembered counting out {$380.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}. I told her there was only {$280.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}, that the envelope was short {$100.00}. I had to go to a doctors appointment at that time and she said she would call me after the drawer was counted. 
The manager called me back while I was in the doctors office and said that the drawer came out correct, I told her that I was in the doctors office and would stop by on my way home to talk with her. When I stopped at the bank I realized that she, the bank manager, was the same woman who waited on me earlier that morning. I felt very uncomfortable that the same woman who shorted me was the top of the chain of command in the bank, so when I got home I called the customer service call center and spoke with a supervisor requesting a call back from the regional bank manager. 
After contacting the regional bank manager, XXXX, and according to XXXX, an investigation was done and the drawers were counted and came out correct and the video was reviewed and nothing looked wrong. The {$100.00} is missing with no logical explanation. 
Yes, I should have counted the cash before I drove away, that was my fault. But the money was short by {$100.00} which I have to write off as a harsh lesson learned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
So called Experian Boost program doesnt seem to exist for me. 1-800 number is nonexistent

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 
1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX  * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME. ADVISED THE BUREAUS AND CREDITORS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I have been a victim of identity theft and i have been trying t obtain my report with you all. I recently applied for a XXXX account and there was a denial. I have never defaulted on a bank account and someone have opened accounts in my name. I need you to take this fraudulent accounts out of my name and I am not responsible for someone elses crime and stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Holdings, LLC
State: MO

Complaint narrative:
Day Knight & Associates, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with XXXX and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX  deleted it from my account in less than a month from my dispute. XXXX attests that Day Knight has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with XXXX, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
i recently went into a local Hancock Bank Branch with my husband to open an account so that i can pay my bills while hes out working offshore and the teller said to me that she couldnt add me to his account because it shows a charge off fom 1999 i dont recall ever having an account with Hancock Bank so i need someone to check into this and if there is nothing on file could you please write me a statement stating tjhere is nothing showing so i can delibver to Hancock bank i would really appreciate it if this could get resolved because i need to open anaccount with my husband who already has an account with Hancock Bank. thank you XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME. ADVISED THE BUREAUS AND CREDITORS.

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 2019-08-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
XXXX XXXX XXXX XXXX, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with Equifax and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX deleted it from my account in less than a month from my dispute. Equifax attests that XXXX XXXX has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with Equifax, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency. 

Equifax sends me emails about " working hard to fix my problem '' but in reality they are just sending a message to the creditor and letting them decide whether it is valid or not. Then, in order to append information to my appeal, they want me to fax in a copy of my social security card and the supporting documents. Not only is this both a slow and unreliable way to attach documentation to an online claim, and not only is this an incredibly insecure practice, it is also a flagrant attempt to obfuscate the appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I was in the process of refinancing my mortgage to lessen years of payment and drop PMI. My existing servicer, Lakeview, began sending me mail to refinance with them and it would be an easier process and they would beat any deal out there. I had a pending refi application that was due to expire on XX/XX/2019.

I decided to call Lakeview and see what they could do. On XX/XX/2019 I was assured I made the right decision to call Lakeview by a customer service representative. We worked up a great sounding loan over the phone as far as details went. He said I will get back to you in 24 hours to get additional information. I never heard from XXXX, instead I heard via mail a week later that my credit application was denied due to an incomplete application. In the meantime, XXXX did not respond to several emails from me. I called then on XX/XX/19 and was handed off by the first customer service rep to XXXX 's voicemail which hadn't helped me earlier that day when I called and left a voicemail. So I called back and go another rep he gave me XXXX 's manager 's number and I was told I should hear back within 24 hours, XXXX the manager is really good at getting back to people. Now it's Monday the XXXX and i feel this was all a ploy to get my application to expire with the other bank. I'm out of that refi application now and XXXX continues to not return any calls or emails yet has denied me based on an incomplete credit application? I'm not sure what is going on but this is unacceptable.

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 2019-08-26 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I got a letter in the mail from credit acceptance they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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 2019-08-26 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: PA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2019-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : Macy 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX {$980.00} should be {$710.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!

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 2019-08-26 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: NE

Complaint narrative:
On Thursday XX/XX/XXXXXX/XX/XXXX2019 my credit score was XXXX on Friday XX/XX/XXXXXX/XX/XXXX Transunion, XXXX, XXXX  dropped my score from 34 to as much as  89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting Transunion they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States.; I want the score returned to the mid 600s or a legitimate explanation why it is not!

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