vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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:
The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX EST I noticed a XXXX transaction I had submitted earlier in the day had been rejected. I called the toll-free number and was on hold for XXXX minutes before being asked to verify my name, XXXX, debit card number and other personal information. I was told that I would need to go through an automated verification process where I would need to provide my PIN number, the expiration date of my debit card and the XXXX digit numer on the back of the card. Despite entering the required information, it was rejected. I was instructed to call back again. I called back a second time and spoke to another XXXX. This XXXX, put me through the same automated process and I was able to access my account. On this occasion I was also asked why I was sending a relative this money. I was told this bank wanted to make sure I was not being scammed. I was also told that the money once sent could not be refunded. After being asked this question and the reason why my account was flagged ( the transaction was suspicious because I had not sent this large amount before ) I began to suspect this had something to do with my being a senior citizen. The algorithm used to determine fraudulent activity looked at amount and age of the sender. At any rate, the block on my account was lifted and I was instructed to wait XXXX minutes before sending the money. I waited XXXX minutes and the transaction was rejected again. On my third call, despite entering the requested information through the automated process correctly, I was not able to lift the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposit check on XXXX was advised by teller and on receipt that funds will be available XXXX. Checked account they pushed my available on funds to XX/XX/15. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I called Franklin Services to settle a debt I saw on my credit report. The amount the agent told me did not match what I saw on my report. I was told as a courtesy they withheld how much I actually owed on my credit report. I requested an itemized and detailed list of the debts owed. On XXXX occasion I was told it would be sent in an email. The second time I was told I had to make the request in writing. While waiting on the documents, I made a payment in the amount of XXXX plus fees. By the time the second agreed upon payment was due, I still had not received a receipt of payment nor an itemized bill. I called customer service and eventually ended up speaking to a supervisor named XXXX. XXXX literally argued with me about whether or not I received the itemized bill in the mail, blamed my post office and then retaliated after the conversation. I informed XXXX until he could produce proof I would not be making anymore payments. Since then my credit reports is impacted daily with delinquent notices from only Franklin Services. I dont believe all those delinquencies are accurate. I think they are resubmitting the same debts over and over to impact my credit. The amount still does not match what I was quoted or what I paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After a XXXX previous investigation by CFPB XXXX FDIC XXXX XXXX XXXX XXXX XXXX XXXX Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and Equifax account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Submitted disputes to all XXXX credit reporting agencies, in which a debt I did not recognize came back on my report. I sent a letter for debt substantiation directly to the debt collector listed with no response about said debt. In which the request for this information must be provided or the alleged debt shall be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I have been working with a mortgage lender to get pre approval. They were not able to pull my Equifax report citing a No hit after calling Equifax customer service they said it was a problem with a fraud block when none exisitedI sent in the required paperwork XXXX weeks ago and they repeatedly state they have not received it. I have made repeated calls and they insist that there is no reason why my lender can not pull my report yet my lender can not gain access. Calling customers service has not solved the problem. All I get is the same generic script saying I need to send in documentation that verifies already correctly stated information on my report. The lack of solutions is impacting my ability to access credit, and adversely impacting my life by not allowing me to access housing. The lack of care shown by equifax has been disheartening and if this issue is not resolved by the soon I will have no choice but to seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Capital One any written instructions to furnish any information to my consumer report. Capital One has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Capital One has failed to clarify or correct these billing errors. Capital One has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Capital One has chosen to punish me for nonrepayment of this extension of credit by closing my account. Capital One is not in compliance with 15 USC 1692e. Capital One has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX XXXX and Experian. XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX Experian could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. Experian & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX XXXX XXXX - Have disputed multiply times with all XXXX, XXXX and Experian. XXXX XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and Experian failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX XXXX XXXX XXXX  AND The following inquiries : XXXX XXXX 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.

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 2022-06-09 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: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
CAVALRY PORTFOLIO SERV {$13000.00} XXXX ... I have tried to explain to this company who bought out my XXXX XXXX XXXX that I do not owe this. I am XXXX XXXX XXXX. I do acknowledge that I signed up for the XXXX XXXX but I did not purchase anything. I also explained that I didnt receive anything in the mail or by phone before it went to collections and was bought out by CAVALRY PORTFOLIO SERV. They replied that they sent mail. I am XXXX and do not collect my own mail. I also asked why it wasnt sent by certified mail? I requested a copy of this debt and I am completely disputing it. I have made multiple attempts to work with CAVALRY PORTFOLIO SERV to remove this debt as it severely affects my well being physically and mentally from the stress. After receiving a copy of the debt they bought I have reviewed it thoroughly and theres no proof I made any purchases. Theres proof I initially signed for the card but thats it. I got XXXX XXXX shortly after signing up for this card and I didnt make any purchases. I dont even know how the credit limit was so large as I only make {$270.00} a month on XXXX XXXX XXXX  XXXX I would never be able to pay this back and I believe I am a victim of credit fraud. I need help resolving this issue as CAVALRY PORTFOLIO SERV is not willing to listen and keep saying I was notified by mail. I explained I didnt receive the mail and theres no way without them sending it certified to prove I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: PR

Complaint narrative:
I've had money stuck on Binance.US for over a year. I had been able to withdraw in the past but they changed some policy last year ( not allowing trading of XXXX or withdrawals of XXXX, and now I can't trade or withdraw XXXX ) leading to many users being in the same predicament as I. You can search online forums like XXXX  to get a feel for the large amount of people who they have scammed/ made life miserable for. 

I've sent numerous emails, a bunch of documents to prove my identity, including my social security card, bank statement, license, picture of me holding license and they still haven't allowed me to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX  balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
phh mortgage services XXXX XXXX XXXX escrow dusbursment is over 60 days have not received payment closed XXXX XXXX 2022, called 3 times each time they told me to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I never applied for an installment loan with this company. I was charged XXXX dollars on XX/XX/2022, I've recently tried to dispute this item off of my account but somehow they have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is trying to collect a medical dept that is a result of Identity Theft. They are relentless. Will not respond. Continuous attempts at collection when this bill is not mine and I was never in an emergency room anywhere near the state or city they claim. 

This is a fly by night company clearly without any sort of legitimate operation. This bill is not mine, yet they are still trying to collect!!! 

Several attempts at stopping the collection resulted in sending the bill again and again. Will not respond to my dispute for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had and have credit freezes on the XXXX credit bureaus accounts. There was a fraudulent request from Capital One for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by Capital One on the XXXX, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. Capital One has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care Credit account. Duplicate charge {$75.00} XXXX 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