vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This account CREDENCE RM XXXX balance {$160.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: NV

Complaint narrative:
It is for an apartment complex called XXXX XXXX XXXX which I never lived at. 
It is through the collection service of Nevada. 
I have had multiple issues with this debt collector they have threatened me on numerous occasions with suing me and refusing to listen to me when I explain things were not me. They have been nothing but a hassle to deal with/ This debt needs to be removed from my credit because it was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I got a solicited letter from Comenity Bank for a balance transfer to be done by XX/XX/2022. I went online and initiated that transfer of {$4400.00} on XX/XX/2022. Said allow up to 30 days for review and processing. It was approved and initiated on my statement with Comenity on XX/XX/2022. I kept getting statements from XXXX showing no pay off. Went to check my credit score which went down approx XXXX or more points over this. Now I am accruing more interest and my credit score has been affected. Called Comenity to be told it is a know issue sorry and we can stop the request if you like. How is this legal or allowed??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
We used a local mortgage company to pre-qualify for our home. Experian apparently shared our information with various lenders. I have been receiving non-stop, unsolicited calls for the last two days. I also received the following text. " Hi this is XXXX from XXXX XXXX wholesale division. I know I caught you at a bad time. Experian contacted us letting us know that your credit score is XXXX and you qualify for wholesale pricing on the mortgage. I can send you numbers here and will not bother you during the work day. Let me know if you were looking to take cash out or purchase a new home. Thank you. '' I did not authorize Experian to share my information with anybody. What I do should not be made publicly available or sold to any third parties. This is ridiculous. 

I tried calling Experian. Their IVR would not put me through to a person to enable me to resolve it directly with them.

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
my vanilla gift card was hacked on XX/XX/22 for {$190.00}., I filed a complaint with them on XX/XX/22 and recieved case # XXXX. I submitted the form they requested and have a email confirmation from XX/XX/22. I was told this would take 90 days to resolve but when I call they have no information for me and today I was told I was emailed about this claim on XX/XX/22 and I have no email was recieved. they also state the case is still being worked on but have no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

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 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022, complaint number XXXX, and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. The accounts are XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I stopped by the Chase location in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NY ) around XXXX on XX/XX/2022. At this location, I used the far left of two ATMs to withdraw {$20.00}. After leaving, I got a text from Chase Fraud at XXXX asking if I just withdrew {$400.00} from the same ATM location. I responded NO at XXXX, upon which Chase sent a text saying they would close my card and send me a new one. 

The next day ( XX/XX/XXXX ), I called the chase number on the back of my card ( XXXX XXXX XXXX ) to report the fraudulent withdrawal from the night before. I explained what happened and submitted a claim ( ID : XXXX ), to which I was credited {$400.00} in my account. 

On Friday XX/XX/XXXX, I saw in my bank account that {$400.00} was being withdrawn from my bank account as a claim reversal. Surprised, I called Chase on XX/XX/XXXX to ask what happened. Chase said that since I was still in possession of my card, the charge was mine and denied my claim. Chaise claimed they reviewed video and the evidence justified the claim reversal. The representative told me that I could go to the Chase branch and talk with the Branch Manager to get video from the ATM vestibule camera ( even though Chase said they reviewed the video ) and submit it as proof. Until then, there was nothing they could do. 

Today ( XX/XX/XXXX ), I went to the branch in question and talked with the branch manager ( XXXX ). He said all camera activity is monitored by a third party and that he was unable to procure the camera from the ATM vestibule or the ATM itself in order to send to Chase. He said there was nothing he could do except call Chase 's fraud department in order to reopen the claim. 

I again called the Chase claim department and asked to reopen itthey said the claim was closed and short of faxing them new evidence, there was nothing they could do. They even recommended me going to the branch and asking for evidencewhich is exactly what I just did. This has been a very frustrating process for meI 've been a Chase customer for over 10 years and am on the brink of moving to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several items that are in quetion and are reported wrong that should be deleted. There is a letter attached to explain

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 2022-05-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

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 instruction

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 2022-05-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

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 instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Here we go again! Or rather still.. 

I simply do not understand why Synchrony has to be so complicated in your payment allocation process. It is, and I have previously accused you of " sprinkling micropayments '' across all balances, some not due for as far out as 11 months, PURELY for the fact, the AVERAGE consumer will think, " hey I have been paying on this account for a year '' - and they ASSUME ( wrongly ) that a promotion is paid off, when in fact, it is not, and HUNDREDS of dollars of interest comes rushing forward. Which I am sure, if that AVERAGE consumer catches that, they call you, you say, your patent answer " sorry, let us fix ''. Well you are in fact NOT SORRY, if you were truly sorry, you would FIX THIS ONGOING ISSUE. When I have complained about Synchrony 's payment handling in the past, I get your FORM LETTER that blabbers on about minimum payments and that all payment made is applied to expiring promotion in its final 60-days. FLAT. OUT. LIE. I have now two statements, that payments are NOT applied to balance expiring in 60-days but again, still, micropayments applied to balances now expiring as far out as XX/XX/2023 - XXXX MONTHS from now! 

It is NOT RIGHT, that the consumer has call EVERY MONTH to ENDURE your system FORCING us to hear last transactions, available credit, insisting to text it to us, and on and on, before we can get to a live person, who MUST be an " Account Manager '' in order to allocate the payment the way it SHOULD have been allocated, the way YOUR OWN POLICY so states it should be handled.

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX  account number XXXX has violated my rights. 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

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2022 someone used my information to open a checking account with Truist Bank. I received numerous letters in the mail from Truist. Someone tried depositing {$4900.00} into said account, which ended up being a fraudulent check. I received a letter dated XX/XX/2022 with a copy of the fraudulent check. I tried several times to get ahold of this Truist bank, whom I've never heard of before, to let them know I didnt open an account. I was finally able to get ahold of someone to inform them by the end of XXXX. I was informed by the person I talked to that they would send the claim to the fraud department. 2 to 3 weeks later I received a voice message from a man at Truist bank, in the fraud department, that he was working on it and that he would send me a letter in the mail about what they found. I have yet to receive said letter. And have gotten calls/voice messages about debit collections.

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 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ADVISORS MORTGAGE GROUP, LLC
State: NY

Complaint narrative:
We, my bother and I, closed on our condo on XX/XX/XXXX. We were told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

On XX/XX/XXXX my brother emailed XXXX XXXX at Advisors Mortgage- the loan manager and branch manager- with this issue and he said he did not know why that was. We also wrote that we were planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help us with refinancing and check why mortgage was not showing as reported on my credit reports. 

We spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. We also raised the continued issue of mortage not being reported to my credit reports, non of the 3 credit bureaus showed history of us having a mortgage. XXXX said that he would have to run our credit reports once again to see that it was not showing and then tried resolve it. We did not agree to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the 3 credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX co-signer : XXXX XXXX XXXX ( brother )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation