vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX XXXX XXXX - ACCT # XXXX *XXXX XXXX -ACCT # XXXX *XXXX XXXX- ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME 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 non-monetary relief
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The XXXX XXXX containing 18 fields, which ensures that the information was identified correctly by your bureau, The XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Pay Pal sent email invoice for {$600.00}. I do not have Paypal XXXX # XXXX. 
Invoice Date : XX/XX/2022. 
Due Date : XX/XX/2022 Their support # XXXX. 
No Account # for me. 
No info as to what I was to have purcha : XXXX. 

Sender 's email address : " I '' in a circle. Invoice XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: DC

Complaint narrative:
The XXXX XXXX enables federal student loan borrowers to receive a refund on any payments made after XX/XX/2020. In accordance with this policy, I've requested a refund from my student loan provider, EdFinancial, for the payments made during this period. In response, EdFinancial has given an unreasonable timeline of five or more months for the balance to be reinstated with an additional processing time upwards of several months after being reinstated for a check with the refunded amount to be sent to my home address. Furthermore, they have refused to provide confirmation of my request in any written or electronic form. As gathered from other borrowers who have requested payment refunds from their provider, it seems that other providers have provided much more reasonable timelines of one to two months for the loan to be reinstated and the refund sent to the borrower. As far as I've gathered, EdFinancial is the only provider giving such a lengthy timeline. Other borrowers have also been able to receive written and electronic confirmations of their request from their provider. I'm worried that this unreasonable processing time from my student loan provider could prevent me from receiving the potential student loan refund announced by executive order recently. Further, the quantity I've requested for refund is quite significant, over {$14000.00}, and thus receiving it in a reasonable timeframe will not only ameliorate personal financial stressors, but will also limit financial damages as a result of the time value of money. It's been two months since requesting this refund, and I have been given no updates or timeline after calling customer service and requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Bank refusing to correct the amount owed to the bank. Debt owed was settled in full via debt collector transaction. Settlement offer and paid in full statements were provided to Santander Bank and credit reporting agencies with no effect. Credit History is being negatively impacted and negatively impacting my finances daily. Spoke with Santander Bank contact center manager in the debt collection department several times and have contacted the debit collector agency used by Santander Bank. Was told this will be resolved over and over again to no effect. Will be providing the debt settlement letter. If a financial institution is making an offer to settle debt and doesn't come through on the promise, this is both a deceptive practice and should be investigated by CFPB for repeated patterns of consumer abuse.

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 2022-10-24 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to XXXX XXXX XXXX, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I filed a complaint to chase bank regarding charges I did not placed. From a year ago while I was going over my statesment I reported to the bank and the bank and ask for my late fees to be removed after the bank make a decision to block my acount and I wont be able to use it anymore and a check would be send in the mail I did nothing wrong I am a honest person reporting everything to the bank they been wrong I been a value customer to the branch and Chase bank hold my acount {$800.00} initial final claim is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
my wife and i were pre approved for a conventional loan through 3rd federal savings and loan with a 5.84 % interest rate good through XX/XX/XXXX XXXX we signed our offer to purchase on XX/XX/XXXX. On XX/XX/XXXX we were told by 3rd federal our interest rate had gone up to 6.79 % When I asked, " why it was going up? ", I was told it was because we had to be pre approved again due to a previous contract being cancelled on another home purchase agreement. I was not informed at the time of cancellation that we would have to be pre approved again. The bank instead let us continue to look for homes, and sign a new agreement to purchase for the house we are currently under contract with, before letting us know we would have to be pre approved again, and our old interest rate would no longer be valid. This occurred nearly 2 full weeks after we had signed our new agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-10-24 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: IL

Complaint narrative:
On XXXX XXXX I called XXXX XXXX to locate the buyer of this account. I spoke a to rep named XXXX, he allowed me to record our call XXXX could not locate this alleged debt nor could he provide the buyer of this accounts information. I called Experian immediately, I asked for verification of debt and I was told they couldnt provide anything in writing and word of mouth is excepted as validation of debt from any company. This inaccurate information is negatively effecting my credit. Experian has not properly investigated this account. Under law I should receive a proper investigation. Please provide verification of this alleged debt or a copy of a judgment within 30 days from today or immediately delete this account { FCRA XXXX U.SC. section XXXX ( XXXX ) ( A ). Also send an updated copy of my consumer report. I am willing to send the conversation I recorded with XXXX to show just how fraudulent Experian has behaved in the lack of a proper investigation please provide a email that I can send this file too, the call is longer than XXXX. All facts are stated within the call. This alleged debt is an act of fraud

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 2022-10-24 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: Kriya Capital, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given CREDENCE RESOURCE MANAGEMENT ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from CREDENCE RESOURCE MANAGEMENT about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I reported to my banking institution Navy Federal Credit Union in the amount of {$3200.00} I have provided all supporting documentation and they have found my claim unfounded. I desperately need your assistance because its not fair for them to just keep my money. 
Please help me to recover my money or at least provide me with the best course of action to take. Thanking you in advance for your cooperation with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

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 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I opted to have an escrow account on my mortgage so I did not have to worry about the tax and insurance payments. I did not have to have one as my down payment was greater than 20 percent. Within one year my mortgage was sold by XXXX XXXX Mortgage to Flagstar Bank, but not all of the details were taken care of and my insurance policy to XXXX was not paid for more than a month. I would not have known about this problem were in not for XXXX sending me a reminder. When I logged into Flagstar there was a hard-to-find obscure reference to me not having an insurance policy in place and the threat that they would sign me up for potentially more expensive coverage. I paid outright for renewal, wanting no further delay, and now they will double pay through escrow. I asked Flagstar to remove me from escrow and they will not without a hefty fee This is criminal. In fact, it is against the law in many states. I told them they should let me cancel the escrow account without penalty due to their mistake. They refuse. This business of buying and selling mortgages is a nightmare for mortgagees. There should be more oversight of this process, and more penalties for these institutions that mistreat customers. As an aside, this bank also waited to the very last minute to pay my city taxes, causing great anxiety. There clearly is no benefit to me having an escrow account when they threaten my credit worthiness in these ways.

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 2022-10-24 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: UNITED BANKSHARES, INC.
State: PA

Complaint narrative:
I had a checking account in this bank for over 30 years I set up a automatic payment for a life insurance policy that I decided to cancel the insurance company refused to cancel it before I even made the initial first payment which really was the second payment being the first payment was only a XXXX the bank refused to cancel the automatic payment before the payment was due they stole {$64.00} and change after I took {$400.00} out of the account to reduce it below the cost of the first insurance payment which was {$110.00} instead of them going for insufficient funds they stole the {$64.00} and change out of my checking account put on a XXXX and change thinking that they were going to XXXX it out of my social security check I canceled the social security then they canceled my account I wanted the account reinstated they sent me a {$210.00} check because I turned them into the XXXX XXXX XXXX apparently they told him they were wrong they canceled my account refuses to let me have my account back I didn't make the mistake they did I want to account reinstated I have no ID I don't want an ID and I'm not paying for any government IDs that I do not need! 
Sincerely, XXXX XXXX XXXX if you need any other information please contact me at XXXX XXXX XXXX and please do not let this number get out and do not give it to this Bank I'll just get more harassment 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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a XXXX  checking account with BMO Harris in XX/XX/2022 and completed all terms associated with a {$500.00} cash bonus. I had direct deposits totaling {$8000.00} during the evaluation period, greater than the {$7500.00} needed. BMO credited me {$300.00}, an amount associated with another lesser bonus. In an attempt to get BMO to resolve the problem, I called multiple times. Every one of the 4 times I called I could not make any progress toward a resolution. The employee that I got the farthest with said it appears that I did everything I needed to do to earn the {$500.00} bonus but he couldn't fix it or reach the department that could. XXXXwo calls were dropped. Once, I was transferred to a loud static sound. I have spoken with 4 people that were unable to help. I do not have hours to waste trying to contact this poorly functioning institution. I have completed the terms. BMO must follow through on its side of the agreement.

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal has a {$2000.00} negative on my account in error. I paid for an item to a seller that has an account with them and they did not send the item to me. I sent bank statements, and I spoke to them as of XX/XX/XXXX without any results to Paypal. I was refunded by my bank but Paypal says that I owe them {$2000.00}. I have copies of emails that confirm that the seller did not send the item ( designer bag ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This bill is from XX/XX/2019 from XXXX. This bill was reprocessed and paid. I have had XXXX XXXX XXXX XXXX for 14 years. I have a XXXX through my job at the XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX and they have assured me that this bill has been paid. It is know showing up on my credit report. Please update your files and take this bill off my credit report and out of your system.

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