vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that onemain financial had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX OneMain... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via XXXX for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: AES/PHEAA
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Account Routing Number : XXXX Called Apple Card/Apple Savings account help line customer service representative stated they are a Goldman Sachs Bank employee and told me that the only way to access my account balance was through the XXXX XXXX App . 

My XXXX is not working. I need access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
First this account had already been submitted by another collection company under the name of XXXX and this account had been disputed and the closed case now appears again under another collection company CREDENCE, previous case for this account was under CFPB case # XXXX for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: TX

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.

The letters are stated with items and issues.

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 a 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.

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Puppy purchase. XX/XX/2023. Seller named XXXX. Phone number XXXX. Exchanged phone calls and text messages. Was instructed to pay via Zelle to email address : XXXX under the name XXXX XXXX. I made the payment as instructed. The Zelle record matched the information I was given by the seller ( XXXX ). My Zelle transaction number was XXXX. XXXX let me know he did not receive my payment and instructed me to cancel this payment and send payment to a different email address ( XXXX, name=XXXX ) XXXX I contacted XXXX XXXX and was told it is impossible to cancel a Zelle transaction. XXXX proceeded to tell me that these email addresses are temporary and are only valid for limited periods of time. I filed a dispute with XXXX XXXX and the transaction is under investigation. I filed a complaint with Zelle as well. I do not know the status of the complaint I filed with Zelle. The Zelle feature is built into and included within my XXXX XXXX app on my phone. If Zelle transactions can not be reversed, verified as valid accounts, etc., I don't think XXXX XXXX should encourage use of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: WA

Complaint narrative:
On XX/XX/2016, there was faulty toilet flapper, that caused flooding in a bathroom and {$1300.00} damage. We had our lawyer to respond back to the XXXX manager after they wanted us to pay for the damages with a letter letting them know we are not responsible and stated that they are responsible under Landlord. Act ( RLTA ) RCW 59.18.060 ( 8 ) that the Landlords duty to maintain plumbing, electrical etc. to keep it in good working order.

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 2023-06-30 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: WI

Complaint narrative:
I am requesting the account with XXXX XXXX be removed from my credit reports The account is 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 non-monetary relief
Consumer complaint received 2023-06-30 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: WI

Complaint narrative:
I am requesting the account with XXXX XXXX be removed from my credit reports The account is 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 2023-06-30 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
To Whom It May Concern, Upon recent review of my credit report, I noticed that there was a collections trade-line placed on my account by the company known as Credence Resource Management XXXX I have sent multiple letters via certified mail disputing their claim that I owe them money. I have no knowledge of this debt. More than 30 days has passed from the date of disputing claim with no investigation conducted by XXXX XXXX XXXX to resolve this matter. Due to the fact that there was no response or investigation conducted by Credence Resource Management about my dispute, they are in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I request that XXXX XXXX XXXX remove the collections trade-line immediately, or it result in small claims legal action against their company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: MA

Complaint narrative:
I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. 

XXXX is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. 

I have the full amount in hand in my bank and I am moving out of my million dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay XXXX the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk 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 explanation
Consumer complaint received 2023-06-30 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am requesting the account with XXXX XXXX be removed from my credit reports The account is 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 2023-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I previously filed a complaint back in XXXX, which has now closed. The complaint ID is XXXX. It was closed on the grounds of monetary relief of {$23000.00}, however, my accounts all increased but I have yet to receive the payment and it's been 2 months. So as of right now, my accounts all increased, but I never received my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There has been a hard pull on my Credit report by Bank of America dated XX/XX/2023. 

I never authorized such hard pull to Bank of America, or any products affiliated with them. I am not a Bank of America customer nor was I soliciting any of their products or products affiliated with them. 

I have done extensive research to see what could have caused the hard pull, but all I can conclude is that this was not me, I never authorized this credit check. It was either an error or it was the result of fraud/identity theft. 

I have sent a written letter to both Bank of America and the credit reporting agencies a few weeks ago but have yet to hear back. 

I would like to speak with someone in Bank of America who can provide more context and ideally, acknowledge the mistake and have the hard pull removed from my credit report.

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 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Description of complaint : In XXXX, I spoke to BofA 's to cancel my owner 's HO3 policy for insurance on my new home. I was advised the HOA Master Policy covered it. I spoke with the insurance team and sent them a copy of the Master Policy on XXXX, and was told it was sufficient. Well 2 mortgage payments later, in XXXX, the escrow was still inclusive of the owner 's HO3. I called BOFA again, spoke with a representative that said she will have the insurance removed, but instead she attempted to cancel the entire escrow. I received notice that it was denied, on XX/XX/XXXX, so I called back and was told that they would correct the request, and resubmit, and I had to cancel with my insurance company. On XX/XX/XXXX, i got an email that it was denied again. I called back and was then advised that it would take 30 days to process, and that XXXX would not include the insurance, but it did. I called on XX/XX/XXXX and spoke with 2 mgrs - one named XXXX, who finally advised she contacted the insurance team and confirmed the HOA Master Policy was sufficient, and that the insurance team would clear it up witihin 30 days, as it had to go through the final steps, and any money owed would come back in a check. She told to continue paying the full amount in the interim. Today, XX/XX/XXXX, i received a call from " XXXX - XXXX XXXX in PA '' stating she needs proof of insurance. I asked her why, she said she didnt know and transferred me to inurance. Insurance representative XXXX said she sees the policy was cancelled and the Master Policy was proven ok, so she transferred me back to customer service to get the policy removed. She merged customer service, - who said insurance would do it. XXXX XXXX wouldn't speak to me again, and the had her agent transfer me to insurance manager XXXX, who hung up on me. This is very unprofessional and high level incompetence. I will let social media know that BofA is a horrible morgage servicer, as my house is the only thing in jeopardy due to their incompetence. And mgmt doesn't care. Im a sad First Time Home Buyer. The only ones that can resolve my issue dont care enough.

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 2023-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The company unlawfully took possession of my XXXX XXXX XXXX XXXX. 

I filed bankruptcy, Monday XX/XX/XXXX and notified ALLY BANK. I provided the company with the Bankruptcy filing number : XXXX. I also notified the company that all collection activity must stop in accordance with the Federal Rules of Bankruptcy Procedure. 

The company willfully failed to comply and continued to require that I pay them to get the XXXX XXXX XXXX XXXX back in my possession. 

The company is depriving me of my rights under XXXX of law.

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 2023-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am asking for your help in reguards to a Paid off HELOC that matured on XXXX, it was a 20 year HELOC that had XXXX payments and XXXX final ballone payment to be made. I paid off the total balance in XXXX of 2023 about a month early. The product had a maturity date of XXXX. Till this date of XXXX i have not received my payoff or satisfaction of mortagage doccument. On XXXX i went to my insurance agent to ask for coverage changes and to have regions bank taken off policy, but agent told me that i needed my satisfaction of mortagage doccumentation. I then went to the branch and talked with XXXX about this doccumentation and asked him to please make contact with the banks office that handles this ite. XXXX the XXXX associate then said that they were not able to do this from the branch and the agent was ablt to make the changes i desired. I then went back to the XXXX agent telling him what XXXX had said and stated no XXXX we can not do like this, we need the satisfaction doccument. So as of XXXX i have no insurance coverage, again talked with my insurance agent about a another policy, but is costing around {$950.00} dollars more, see the company i was with for about 3 years was around {$2200.00} and new policy is around {$950.00} more. I have asked regions for a arbitrator as per there HELOC specs, but they have given me no answere at all. What they have pushed me into is not right. On around XXXX talked ato a Regions Rep. named XXXX who has been very helpful in trying to fix this. But at one time i was told that i had to request that the product be closed out. But two items one i had Regions sendine me 6 months prior every other month that HEOLC was maturing and need to be aware that a pay off was needed, so why didnt they close product out and send me my notice of satisfaction which as of to day have not received yet.

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