vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received 2 voicemail messages telling me I was being sued. I called them back and was told the suit was a credit card debt that I didn't know about. I have no documentation of this debt. I told them I live completely off Social Security benefits. I was told that I needed to pay it and that 10 % of Social Security could be garnished if I didn't go on a payment plan. There is a Federal Law that says otherwise about protected income. 

To stop the lawsuit, they said they could put me on a " hardship '' status and would automatically take {$50.00} a month from my bank. I tried to find out what company they worked for. My interpretation was that they worked in a law firm. I found out later that they are a debt collector. I asked if the lawsuit had been filed. She said she could retrieve the paperwork on the suit from her computer so it wouldn't be filed ( This doesn't sound like it makes any sense ). 

They scared me enough that I gave them my credit card information. They immediately took out {$50.00}. I was then told if I stopped paying, they would sue me. I don't know why I agreed to this without any paperwork about the debt. 

I tried filing a complaint with the XXXX in Florida but they were not in the database. I tried to fill in the info about this company but they do not list a street address and this is needed by the XXXX to make a complaint. I looked everywhere for this info and couldn't find it. There website is very uninformative XXXX XXXX XXXX. They are located in XXXX, CA. I called the XXXX in California and they couldn't find an address either. 

I think this is a nefarious business picking on the elderly who are just trying to get by. I cancelled my credit card. If they sue me, I will bring the Federal Laws regarding garnishment with me. They can't take my car because I don't own one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
XXXX XXXX in XXXX Indiana filed an eviction against me on XX/XX/XXXX saying i was still living there even though i told them i was not but they said they would not consider me out of there until i return the keys that i had lost. On XX/XX/XXXX the case was dismissed without prejudice for the reason that all parties fail to appear. They ever filed a lawsuit against me, or a Judgement against me and they still illegally reported the eviction to the credit bureau and its been hard for me to get my own place ever since. I disputed the credit report i think this is my second time providing evidence that the case was dismissed in court and XXXX responded to them saying that the information on file was correct and that mine was not you can see the entire case here at XXXX XXXX XXXX XXXX XXXX from what i researched this is illegal as they did not file a lawsuit or a judgement against me that was approved i need help getting this off my credit and holding these guys accountable im XXXX and get SSI every month i cant afford an attorney let alone to pay off the debt that i supposedly owe even though i notified them that i was no longer living in the apartment and they continued to charge me rent and kept my deposit when there was absolutly no property damages done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I went to my local credit union on XX/XX/XXXX to inquire about getting an auto loan. I was told that Im limited to a certain credit limit because Im considered a first time auto buyer. I responded that such information is not correct as I already paid off my first car loan with Santander Consumer USA. She claimed that such information isnt reflected on my credit report. I contacted Santander that very same day and was told that the report should be sent and updated in 3 business days. I also contacted XXXX the same day alerting them of the mistake and was told to allow Santander 3 days as claimed to submit the report. On XXXX XXXX XXXX I followed up again with XXXX and was told by XXXX that they havent received anything. She also advised that I should contact CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NV

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in XXXX is ridiculous and as a consumer I am sick and tired of it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: KS

Complaint narrative:
American Credit Acceptance does not possess a supervised lender license in Kansas to exercise nor enforce rights within my supervised loan contract pursuant to 16a-2-301 ( 1 ) ( c ). American Credit Acceptance is violating the rights of consumers in Kansas and collecting payments from said consumers unlawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Validation/Verification Identity Theft 15USC 1681c ( 2 ) 15USC 1681q ( 3 ) permissible purposes these are just a few of Fraudulent Claims. information and requests are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/23 My cash app account was closed and I had {$5800.00} in my account. I cashed out to my bank account but my bank denied it because there's a {$1000.00} deposit limit. My bank sent the money back to cash app. Since they closed my account the money is stuck in limbo. Cash app refunded me the {$75.00} fee with the subject " missing deposit '' cash app have ignored my calls and closed my case and I've opened the case again. They refuse to give me my money. I have documents from the bank proving the deposit was sent back to cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/2023 Bank of America closed my Corporate bank XXXX XXXX XXXX  ) for a still unknown reason. It is now XX/XX/2023 and BoA has still not giving me a date that they will release my funds. Every day I call BoA Risk department and they extend the closure date by a day or two. In this time some of my clients have accidentally continued to transfer funds into my Corporate account and instead of closing the account in a timely manner they continued to draw out the process and my clients are not recalling their wires because the Bank will not release their funds to me. This is criminal and as caused me to start to be late on payroll, taxes and my personal mortgage. I need a resolution and I dont know where to turn for help as BoA Corporate is no help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was not receiving regular bills, resulting in a few late fees ( that were waived ), so I decided to close the account in late XXXX of 2023. I had {$470.00} in cashback rewards, and was told by customer service in their rewards service center that I would have 60 days after closing the account to redeem my rewards ( see attached letter from Truist stating the policy ). I had used the card for years and always had my rewards direct deposited to my personal checking account without a problem until this point. 

I tried to redeem them several times and always received emails indicating that there was a problem and the money was not deposited ( see attached email example ). I tried at XXXX different banks, and verified that routing and checking account numbers were correct. 

Here 's the issue : the rewards center folks have a policy indicating 60 days to redeem rewards after closing the account, as I described above. On Saturday, XX/XX/2023, I was on a three-way call with Truist 's reward center and their regular customer service, and learned that those two offices have conflicting policies. The rewards center indicated the 60 days to redeem policy, whereas the regular Truist customer serviced claimed that I forfeited my rewards immediately upon closing the account. Their two policies are irreconcilable. Obviously I would not have closed the account before redeeming my rewards had I known about these conflicting policies, but I was clearly informed by the rewards center ( and the attached letter ) that I could. 

The bottom line is that Truist owes me {$470.00} and they won't give it 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 monetary relief
Consumer complaint received 2023-05-02 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: SinglePoint GI
State: FL

Complaint narrative:
XXXX XXXX  tried to get cash from me for the last class I took with them in winter of XXXX. I am a financial aid student and the DOE was funding my classes. When I reminded them that they get my funding from DOE, they sent my class amount as a past due charge as a deorogratory collection to a collection agency, General Revenue XXXX of XXXX. I contacted General Revenue several times by phone and submitted my documents on file for the investigation ; which I have saved. 
I have reached out to DOE and my servicer provider to help support me in having this collection taking off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
Due to data breach my personal information was leaked and used by a fraud person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a mobile check on, Wednesday XX/XX/2023 to BANK OF AMERICA mobile banking application. In the amount for {$2900.00}. XXXX no. XXXX. From the State Treasurer of XXXX XXXX for my state XXXX XXXX The account payee is Bank of America. I called the bank on Friday to inquire for the reason of the hold and spoke to XXXX : ID no. XXXX who is located in South Carolina. She can not give me any details other than they are trying to verify the funds of the check??? I find that weird. When it a Bank of America Check?? I told her I received an email from them stating that the check would be released on XX/XX/XXXX at XXXX, reference number is : XXXX. As of XXXX date XXXX, 2023. Marks a hold for 4 business days, without cause or justification for the hold to my account. Its the first of the month and I have bills, rent and food to buy!. I have asked the Bank of America in person if they can return or release the check bak to me. So that I can deposit it with my Credit Union and have no hold on this check. They said to call customer service to that. I call yesterday on the first at XXXX ; XXXX, and they had me on a very long hold over and one hour. Please help Bank of America RETURN OR RELEASE MY FUNDS! PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to you to file a complaint about false information being reported on my credit report. As a responsible borrower, I am very concerned about the accuracy of my credit report and the impact it can have on my financial well-being. 

Upon reviewing my credit report, I have noticed that there are many items that are inaccurate and do not reflect my true credit history. These inaccuracies include late payments, delinquent and inquiries that wasnt approved or authorized by me, or accounts that do not belong to me I have attempted to dispute these inaccuracies with the creditors directly, but have not been successful in having them corrected or removed from my credit report. I believe that these errors are damaging my credit score and ability to obtain credit. 

I request that you investigate these inaccuracies and correct them as soon as possible. I also request that you inform me in writing of the results of your investigation and the actions taken to correct the errors. Due to law 15 usc 1681 You are required to do what I am asking regarding these inaccurate reports and transactions within 3-5 days of receipts .I am looking forward your respond Thank you for your attention to this matter. 

Sincerely, [ 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 explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and reported to Experian, XXXX and XXXX XXXX and they will not remove the fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i did a complaint yesterday $ XXXX and when I logged in today my paypal balance was XXXX and my cash rewards was XXXX I called the company and was put on a long hold I gave up and am now waiting on a call back I fell retaliated against I've never felt victimized by predatory activity like this. 

a day ago, before my complaint, i had nearly $ XXXX in cash rewards and don't recall my paypal balance but it was substantial so now I have XXXX, XXXX, and my credit limit still not back to the original $ XXXX. 

and I'm in a queue for when they call me back. thank you CFPB this is when little folks like us need somebody that can shine a bright light I didn't ask for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I own a home and the adjacent lot ( which has a mobile home. ) I obtained a reverse mortgage on my home some years ago. I put the lot up for sale and the legal description for the reverse mortgage is for both parcels. 

Initially the mortgage company required I divide my parcel into two, separating the mobile home parcel and the parcel with my home, in order to qualify for the mortgage. 

The legal description was not updated before closing my loan and thus the additional parcel is also burdened with the reverse mortgage. The escrow company, XXXX XXXX, prepared a correction deed which PHH has never acknowledged. 

For 7 months myself, the escrow agent, the loan officer, my agent and myself have been trying to get this corrected. I have already lost a buyer and I can't offer the property again until the title is clear. The market is going down, this has cost me money. I was selling the mobile home parcel because I needed the money, the several additional months has cost me my credit, additional late fees, utility shuts offs, etc. 

We are all beyond frustrated. What more can we do to get a response from PHH. What recourse do I have and how can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
Experian is reporting fraudulent information on my credit report. I have contacted them multiple times in order to get this resolved and they have not responded or assisted me with a solution. I had provided them with and FTC report and number to inform them that I was a victim of fraud and they still have fail to comply. Not only are they reporting fraudulent accounts on my credit file but they are also reporting addresses on my credit report that I never lived or was affiliated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I cancelled my internet and phone service with XXXX and returned my equipment in person to the store on XX/XX/. The person at the store confirmed that I was owed a balance of {$.00} for disconnecting early. However, I was sent a bill from a debt collection agency on XXXX and XXXX saying I owed {$150.00}. I wrote back to the debt collector with documentation on XXXX  and XXXX. I called XXXX on XXXX but they refused to remove charges. CBHV Reference # XXXX ( XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to you to file a complaint about false information being reported on my credit report. As a responsible borrower, I am very concerned about the accuracy of my credit report and the impact it can have on my financial well-being. 

Upon reviewing my credit report, I have noticed that there are many items that are inaccurate and do not reflect my true credit history. These inaccuracies include late payments, delinquent and inquiries that wasnt approved or authorized by me, or accounts that do not belong to me I have attempted to dispute these inaccuracies with the creditors directly, but have not been successful in having them corrected or removed from my credit report. I believe that these errors are damaging my credit score and ability to obtain credit. 

I request that you investigate these inaccuracies and correct them as soon as possible. I also request that you inform me in writing of the results of your investigation and the actions taken to correct the errors. Due to law 15 usc 1681 You are required to do what I am asking regarding these inaccurate reports and transactions within 3-5 days of receipts .I am looking forward your respond Thank you for your attention to this matter. 

Sincerely, [ 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 explanation