vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
On or around XX/XX/2022 i received a call ( on my home phone XXXX ) from Credence Resource Management in an effort to collect a debt on behalf of XXXX XXXX XXXX XXXX ( {$1400.00} ). I informed the representative that i have never had nor do i have an account with XXXX XXXX XXXX and that the address they provided is one at which i have never ( nor has anyone in my household ) lived. I said this was an obvious case of Fraud, at which time the collector stated they would mark the case as Fraudulent. 

On XX/XX/XXXX I got an update through a Credit Monitoring service through XXXX that i have a Collection account that is impacting my Credit score ( XXXX when i reviewed with XXXX ). Credence Resource Management, despite my reporting this as fraudulent, proceeded to report this as my debt, and, place an unlawful collection account on my file which is hurting my credit score. 

XXXX XXXX XXXX is at fault for ever having opened the fraudulent account because they failed in their due diligence/Know Your Customer protocols in establishing the account. 

Credence Resource ManagemenXXXX failed in their duty to escalate the Fraud and then proceded to make matters worse by establishing a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Issue : My PSLF applications were faxed to MOHELA on XX/XX/2022 with all 3 employer forms signed/completed. I received a qualifying payment update letter dated XX/XX/2022 certifying 2/3 employers, but did not include my employment with the Department of Justice. I never received a denial letter for any of my forms. MOHELA 's website reflects that it was cancelled because it was a duplicate request. There isnt a duplicate application for the Department of Justice, or at least not an approved one, so this pushes the processing time even further due to their mistake. Please note, even though my personal identifiers have been redacted from the attached documents, they were present when the forms were submitted to Mohela

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2022 my property was stolen from my vehicle. This included my phone, wallet, and gym clothes. My sons mother witnessed the theft and filled out a police report with the XXXX XXXX police department in XXXX Louisiana. ( Report # XXXX ). My phone is set to stay unlocked in my vehicle which gave the thief unauthorized access to a few of my online accounts. In addition the thief had my wallet which contained my regions bank debit and credit cards. Subsequently this person, maxed out my credit cards and cleaned out my bank account. The person was obviously skilled because they did it in a matter of moments while maintaining a relatively close distance to my vehicle while doing so. As a result, I myself also filled out a police report to document the fraudulent charges and report my items stolen personally. This report was also filed with the XXXX XXXX police department in XXXX Louisiana. Report # XXXX. I received an email on my desktop alerting me of a large cash app transaction. I immediately responded that it was not me who made the charge. At which point my debit card was deactivated and I made my way to the bank. I was told I had to wait until after that charge had finalized to file a dispute. So I did as they instructed me. When I filed a dispute, I told the banker at the branch that there was police report associated with this claim. 10 days later, I was told my claim was denied, but that they had no information about a police report on file so I gave them the information again they re-opened it only to deny it again. With the reason stated that because I had use cash app in the past they would not approve my claim. However, had the investigator even taken the time to read the reports they would know exactly how this transpired. This person stole my social security XXXX check and I am the only person who will suffer as a result of the poor investigative skills and lazy handling of the investigators with REGIONS BANK. Who saw fit to deny my claim with 2 separate police reports documenting the situation.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted Equifax, XXXX and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I have contacted XXXX, XXXX and Innovis to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-12-06 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to Check N Go on yesterday, I was told my account was sold to a XXXX XXXX called : XXXX XXXX XXXX located : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 at around XXXX XXXX I checked my email and I had a mail from Wells Fargo stating that a wire transfer is being transferred for the amount of {$24000.00} me and my wife called that second to bank and told them that that was not us making that transfer so bank canceled all of our acc and froze the wire transfer is what they said to go to bank next morning to reopen a new account so I did they told me they were under staff to come back tomorrow so I did go to the XXXX Wells Fargo bank in XXXX ca so they sat me down and explained what happen to banker he explained to me not to worry we went ahead and reopened a new account and when I saw that the XXXX  was missing I told him he called head quarters and looked into it that they will call me they will investigate after two weeks they kept me waiting more after a month they send a letter stating that after their investigation they came with conclusions that it was my fault that the people got all my info this is wrong they even told me the person that took that money from Florida I have nobody in Florida I explained that to them they said they was sorry now a lawyer wants XXXX  to take my case till a friend send me ur website here hope to XXXX u can help and deal with this bad banks thank you and XXXX bless u

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: CA

Complaint narrative:
I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX  alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in XXXX and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXX account number XXXX Another account was opened without my authorization AS XXXX & that LENDER is : XXXX XXXX XXXX account opened & closed in the amount of {$220.00} on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts name : ( XXXX ) XXXX/XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX, ( XXXX XXXX DEP OF ED/XXXX, ( XXXX ) XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C ( a ) ( 5 ) SECTION STATES ; NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION ANY OTHER ADVERSE ITEAM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2022-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I contacted Ally on XX/XX/2022 regarding their misleading and false interest rate emails. I decided to move my account to XXXX Bank on that date and filled out the on line form per the CS rep 's instructions. On XX/XX/2022 I learned that my account of {>= $1,000,000} had NOT been wired to XXXX. I called Ally on XXXX and spoke to XXXX and she asked me some detailed questions to verify it was me and she stated that my account would be wired that day. I learned on XX/XX/2022 my funds still have not be wired. I called and talked to XXXX at Ally and she NOW wanted a statement from XXXX emailed to her. After much effort I was able to obtain a statement and emailed it to her on XX/XX/2022. I learned today XX/XX/2022 that my funds of now {>= $1,000,000} have still NOT been wired to XXXX!!!!! I even paid their {$20.00} wire fee two weeks ago!!!! Ally is converting my funds and and I am losing interest every day from Ally 's intentional acts. You need to fine them millions and force them to pay me my lost interest and wire fee!!!! 
I first filed my Complaint to the XXXX and they sent to it to the Federal Reserve who NOW tell today that it goes to your agency!!!!! Please do something ASAP as I needed this money wired to XXXX Bank on XX/XX/2022 2022

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I received a Vanilla gift card ( issued by XXXX, distributed and serviced by InComm Financial Services , Inc. ) with a value of {$400.00} and expiration date of XX/XX/XXXX in XX/XX/XXXX. I tried using the card in XX/XX/XXXX but the card was declined. I called VanillaGift the next day and they told me the card was declined because it had already been used. I had not used this card and the card has been in my sole possession since receipt. I submitted a claim to dispute the transaction and was told it would take up to 60 days to resolve. In late XXXX, I received a letter from " incomm payments '' informing me that the dispute has been closed because " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account '' and that my claim is outside of this timeframe. Since I had no idea an unauthorized transaction had been made until I tried to use the card, imposing a 60 day timeline is unfair, deceptive, and perpetuates fraud on innocent consumers. For all I know, the company sold the same card to two recipients, as it was all done online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: GA

Complaint narrative:
My wife and I signed real estate contract on XX/XX/XXXX to purchase new construction home from Lennar XXXX XXXX, LLC. Property address is XXXX XXXX XXXX, XXXX, GA XXXX. We were specifically told that the home would not be built until early XXXX and closing for home would be XX/XX/XXXX. That was the key incentive for us to sign this contract as we knew we would not be financially secure to accumulate our necessary down payment, 40 % of the purchase price, until XXXX. After we adamantly expressed to sales agent that was the only scenario that would work for us, we were repeatedly assured by sales agents that closing would be at mid XX/XX/XXXX. Well during last week of XXXX we came to location of proposed home and noticed that foundation slab has been installed. Upon inquiring of sales agent about cancelling this contract and getting our earnest back we were told don't worry house would not be built until XXXX. We specifically inquired about pulling out of this contract at this point and was told that if home was ready earlier that XXXX, we could cancel and get our earnest money back. We feel the loan officer and the sales agent were working together to deceive us. Well, here it is in early XXXX and house has been built. We have gotten very limited, confusing verbal communications from Lennar sales agents, specifically XXXX XXXX, XXXX XXXX, XXXX XXXX and mortgage loan officer XXXX XXXX. We feel we've been lied to and deceived to sign this contract as they knew house would be built this year XXXX. Numerous phone calls have been not returned and we have not received any written communication from sales agents or mortgage officer as to specific resolutions at this point.

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 2022-12-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 item of information, other than records of convictions of crimes which antedates 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. 

XXXX is re-aging the debt which is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: PA

Complaint narrative:
There were a few times that I disputed this bankruptcy with Experian the dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and presently. I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus, and I got a letter stating they do not report any bankruptcies to anybody. So, if that's the case. How did the credit bureaus edify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 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