vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2022, I called my credit union BECU and asked for the dispute of {$100.00} and some cents against my credit card but then they transfer me to their XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with an XXXX lady in XXXX and she said maybe it takes 30 days for the result & we will let you know about the result. As it passed over XXXX and XXXX months and I didnt hear from them, I called again to BECU and they transfer me to XXXX again. 
After I told XXXX that I m following up with my dispute, the line was dropped and none return my call. 
Again I called directly to XXXX and they told me we knew you called on XX/XX/XXXX but it seems no follow-up with your dispute then your request is gone from our system and you need to do it again. I told her how that was possible and that I need talk with your supervisor as this is the second time your company ignoring my dispute request. She said our supervisor just can call you back between XXXX hours and they are not available. 
Again, none called me and none care about this dispute. 
I called last week to BECU and the customer service start giving me some excuses. I asked him to connect me to his supervisor. Then She told me quickly we are not responsible for our third parties and you need to follow up with them and we can not do anything for you. This is between you and them. I can not believe how great BECU and their uncared and irresponsible third parties are! My dispute was ignored again and none of these to XXXX did anything for that. 
A couple of years ago, I was disputed an amount over {$260.00} and BECU and XXXX didnt care about disputes and each one passed me to another one. It was taken over XXXX and half years with my follow up but none of them did any effect on my dispute request which was my right and I didnt use the service of that organization.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This Collector appears to be trying to collect on an invalid debt that doesn't legitimately exist. After sending two letters for debt validation, the creditor still could not provide components of a valid debt. 

They are claiming that they are collecting for a XXXX XXXX XXXX XXXX XXXX balance from a cancelation date of XX/XX/XXXX, which is frivolous. We once had XXXX XXXX prior to the COVID shutdown and canceled all policies with them on XX/XX/XXXX. We provided this information and asked for any documents showing any signed contracts, renewals, etc, beyond XX/XX/XXXX. They have not been able to provide any because its frivolous. Everything was canceled during the stay-at-home period, and this is merely an illegal stick-up for money by a collection agency on something that didn't exist. 

Furthermore, if that had been the case, insurance is not a loan of any type and would cancel at the date of non-coverage. In my case, my policy with them was canceled XX/XX/XXXX, and erroneous attempts for force a continuance six months later is far-fetched and illegal. 

XXXX XXXX does not and will not respond because they know the facts. This collector seems to insist on reporting erroneous collections for some sort of illegal payday. 

I asked for the following information below, which they could not provide. They are illegally trying to collect on a fabricated debt and ignoring consumer protection laws. 

The following follow-up letter was sent to this collector on via certified mail on XX/XX/XXXX. 

Dear Collector : I just received your incomplete response to the below information I requested from you. 
I am disputing the validation of this claimed debt and request that you immediately provide me with the following in writing : 1. Copy of Original Contract with my signature for the debt.

2. Full payment history from the original creditor 3. Name and Address of the Original Creditor 4. Proof that you now own or have been assigned this debt to collect. 

I had no coverage with XXXX XXXX beyond my XX/XX/XXXX, cancellation during the COVID-19 nationwide stay at home order. 
No entity has the ability to create or ascertain a debt without my signed consent. 
Please adhere to the Fair Debt Collection Practices Act and remove this erroneous, incorrect, and derogatory information immediately from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
I reached out to CREDENCE RESOURCE MANAGE and asked them to provide me with a signed agreement between me and them opening, proof of the last 4 payments I made to them, along with a state identification used to open the account. I have not receive a response from them. This was over XXXX ago. This negative item is showing up on XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX. However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX  However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a cashier check in the amount of {$120000.00} on XX/XX/2022. I was notified that the deposited was on hold. When I called customer service at Wells Fargo, I was told that the payee bank ( XXXX Bank XXXX had put a hold on the funds. I called XXXX Bank and was informed that there was no hold and there was no issue with check. I called back Wells Fargo and now was told that because my checking account was new the funds were put on hold. As of now, the check has cleared XXXX Bank but still Wells Fargo is holding the fund and not crediting my checking account. I have been advised that the funds will become available on XX/XX/2022. This fund was from a home equity line of credit loan that I am paying interest on while Wells Fargo sits on my money. Also, because of the hold, I have had a transfer returned for NSF and paid a fee.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanSnap, Inc.
State: CA

Complaint narrative:
Summary : LoanSnap sold a loan to XXXX that had been paid in full and LoanSnap no longer owned. Now I am being harassed by XXXX for payment despite the title company verifying LoanSnap received full payment before selling my loan. 

1. On XX/XX/2022 I refinanced my LoanSnap home loan with XXXXXXXX XXXX XXXXXXXX. I received a confirmation from XXXXXXXX XXXX XXXX company stating payoff funds were wired to LoanSnap.

2. On XXXX, XXXX took ownership of my LoanSnap home loan. This was confirmed in a phone conversation with XXXX/LoanSnap and XXXX on XX/XX/2022. 
3. On XX/XX/2022, XXXX sent me a mortgage loan statement with a loan payment due date of XX/XX/2022. 
4. On XX/XX/2022 I emailed XXXX XXXX with LoanSnap requesting records be updated to show my LoanSnap loan was closed. 
5. On XX/XX/2022, XXXX XXXX responded stating " This has been handled and sorry for the confusion. You will not receive any more email regarding payments. '' XXXX. On XX/XX/2022, I called XXXX and they confirmed that my loan was still open and payment was due by XX/XX/2022. I emailed XXXX XXXX documenting that XXXX loan is open, active, and was never paid in full by LoanSnap. 
7. On XX/XX/2022, XXXX with LoanSnap sent me an email stating they would pay the loan in 3-5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: NC

Complaint narrative:
The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel manager in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

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 2022-07-19 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: NC

Complaint narrative:
The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I gave a 60 day notice to leave the apartment building where I used to live. I left a letter in leasing office and talked with the leasing department as well but they still charged an extra month plus additional fees in order to damage my credit. This was a fraudulent and bad business practice from the landlord to charge extra at the moment of leaving the property. 

The lease was paid in full and always kept the contract in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/22, XX/XX/22 and XX/XX/22 I purchased 4 {$500.00} Apple gift cards for a total of {$2000.00}. The cards I received were not activated despite the packaging holding the cards being correctly activated. This was confirmed with Apple gift card support. Despite this problem being recognized, Apple gift card support refused to help correct the problem. I was in contact with Apple gift card support over the telephone and email multiple times between XX/XX/22 and XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Someone is using my information to open fraudulent utility accounts. Recently I became aware that a fraudulent account had been sent to collections by Transworld ( I was alerted by my credit monitoring ). I contacted Transworld and let them know that it was a fraudulent account and that I have never resided in Texas. They asked me to file a report at XXXX, which I did. I also sent them copies of my drivers license, power and Natural gas bills here in Oregon during alleged time, and copies of my mortgage statement proving I reside in Oregon. I have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to get into my Experian several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least 6 different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio Unemployment last year. 
I hope you understand why I am stressing out! 
Please help 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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I am currently in a debt consolidation program which this debt is being handle and it is been acknowledged by parent company however this company still ignores and contacts outside of the program payments to collect anyway. At all times and at work and other contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-07-19 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: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
ON XX/XX/2022 I WENT TO THE DEALERSHIP TO INQUIRE ABOUT GETTING A NEW CAR. I WAS APPROVED THROUGH XXXX  XXXX XXXX FOR MY NEW CAR. I WENT HOME AND VIEWED MY CREDIT REPORT AND NOTICED SEVERAL HARD INQUIRIES FROM COMPANIES I DID NOT BENEFIT FROM. I ACTUALLY REACHED OUT TO THE COMPANIES ONE IN PARTICULAR NAMED GM FINANCIAL AND TOLD THEM TO REMOVE THE INQUIRY BECAUSE I DID NOT BENEFIT FROM THEIR COMPANY AND THAT I HAD ALREADY GOTTEN A CAR LOAN THROUGH ANOTHER FINANCIAL INSTITUTION. GM FINANCIAL REPLIED THAT THEY WERE NOT REMOVING THE HARD INQUIRY FROM REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have sent a few disputes to this company via certified mail with return receipt that have yet to be properly investigated or responded to. Furthermore they continue to charge me, add fees and report to CRA in the middle of unresolved disputes in accordance to FDCPA guidelines and regulations after written notices have been sent to not do so

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 2022-07-19 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: NC

Complaint narrative:
Someone pretended to be an employer from indeed. Hired me, then sent me a welcome packet which consisted of me filling out an I-9, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts.

I have 18 inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Addresses reported on my consumer report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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, account XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without 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