vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I purchased services with a third party dealer for XXXX XXXX and XXXX XXXX XXXX services in XX/XX/XXXX. They came to install at our apartment complex. Shortly after the services were installed, we began to have problems with reception and services. This lasted almost 2 years. We requested tech to come out and fix it but they could not climb up on our roof due to company policies. A representative told us they were not allowed to send techs on the roof to install satellites and wondered how we got one on our roof. The third party dealer did the installation but XXXX XXXX could not help us improve reception because we were not getting service most of the time. A representative agreed to waive our cancellation fee due to the severity of miscommunication, neglect and lack of customer service we received in prior to XX/XX/XXXX. I received a statement from XXXX XXXX XXXX in XX/XX/XXXX showing my balance paid in full at {$0.00}. After a year, Credence Resource Management began to harass me with calls all day and passed XXXX that I needed to pay a bill of {$220.00}. I disputed with both XXXX and XXXX but the debt collector produced a fraudulent statement that did not allow me to take the fraudulent debt off my account. I am requesting this be removed from my credit report and that XXXX XXXX XXXX, XXXX XXXX and Credence Resource Management be reprimanded for bringing false debts against me and for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian deploys deceptive practices to get users to agree to a monthly charge for credit protection services. Despite choosing only to pay {$1.00} for a credit report, Experian nonetheless charged me {$21.00} for failing to cancel a free trial that I never consented to.

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 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I scheduled an ACH payment of {$700.00} to be applied to my Cashnet USA line of credit account on XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating the payment had been posted. On XX/XX/XXXX I noticed the prior period 's statement was incorrect and the oustanding balance posted on the company 's website was incorrect. Once I became aware of the discrepancy I contacted the customer support line. On XX/XX/XXXX I spoke with a representative who ensured me a supervisor would contact me with 48 hours to discuss the matter. After ending the call on XX/XX/XXXX my online account showed the {$700.00} payment had been unapplied on the XX/XX/XXXX with a reference of " cancelled " then reapplied on XX/XX/XXXX in an attempt to erroneously earn more interest on the account. After not receiving correspondence in the designated time I contacted the customer support line and requested to speak with a manager XX/XX/XXXX. I mentioned the issue of the discrepancy on the statement, the false cancelled transaction on the online account and requested an amortization schedule to review. The manager offered to " waive '' {$55.00} on the account and denied the request for a schedule history to review for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I had a check cashed at Check Smart, signed Without Recourse letting them know that I accept no responsibility for non payment under UCC 3-415. Check Smart has XXXX XXXX Police making threats to my client who cashed the check, I have P.O.A. to settle the matter. I claim no liability for Check Smart 's negligence, they verify any check before cashing. An EFT must have been received by Check Smart and they have insurance on my clients account in which I have sent a request for Validation that's in the works now. I sent the Chief of Police a private correspondence. He will receive tommorow! Officer XXXX has called my client in XXXX XXXX and threatened him over and over, with threats of charges, jail, repayment of the debt. I've sent a private correspondence to the C.F.O of Check Smart in XXXX, Ohio. We had no intention on bouncing a check, that's why I verified threw XXXX XXXX my account is good. Furthermore Check Smart has a performance Bond and a payment Bond to cover any mishaps one of their employees make. My client and I accept no liability and wishes to charge XXXX XXXX with violations of the FDCPA 3 different incidents. {$1500.00} each. For making threats to my client and I. I wish to have the CFO of Check Smart XXXX XXXX comply with my request to resind my clients contract and stop harassing me or XXXX XXXX. The check is under an Estate Check EIN # XXXX. I want CFPD to put a stop to this harassment and threats. To have the insurance of Check Smart close and settle the account for my client via P.O.A. and forever resolve this matter! Close and Settle my clients Account immediately!!! Thank You Mr.XXXX of XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, OHIO XXXX NON-DOMESTIC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I pulled my credit report from the 3 major bureaus and i had a bunch of addresses that were not mine, I waited an entire month for the bureaus to write me back only to say they had an incorrect social security number.

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2020 my checking account was hacked at Navy Federal Credit Union. I reported the compromise XX/XX/2020 to the company that {$3800.00} was ACH transferred to another bank without my consent. Since the compromise the company will not answer my question or let me talk to anyone in the security department. In summary I am a victim of Identity theft and also bank fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.Syncb/tjx co plcc {$330.00} date open XX/XX/XXXX 2.Syncb/ jcpenney {$460.00} date open XX/XX/XXXX 3.Child support enforcement $ XXXX date open XX/XX/XXXX account # 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
Consumer complaint received 2020-02-12 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.XXXX/XXXX XXXX  XXXX {$330.00} date open XX/XX/XXXX 2.XXXX/ XXXX  {$460.00} date open XX/XX/XXXX 3.XXXX XXXX XXXX $ XXXX date open XX/XX/XXXX account # 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
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WA

Complaint narrative:
I received a letter on XX/XX/XXXX and XX/XX/XXXX from Credit Control , LLC claiming I have a debt they're collecting on behalf of XXXX XXXX XXXX with the original creditor XXXX. The claimed amount due is {$2800.00}. I've never purchased anything from XXXX and dispute this claim.

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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 I used US BANK XXXX application to send {$1500.00} to recipient XXXX XXXX who has a XXXX XXXXXXXX XXXX account. This is a deposit that I needed to provide to move into an apartment. US Bank marked on my end that amount was delivered and XXXX went into her bank account to retrieve it through XXXX. At that point the payment on her end was marked " Failed '' with no option to retry or retrieve the amount. She provided me a screenshot I've attached. 

I called my bank US BANK to complain that while they extracted it from my account and marked the transaction complete, delivered, the recipient did not receive it. I was told US BANK could not retrieve the transaction and to have recipient call US Bank. We called them together on XX/XX/XXXXand was told that there was a XXXX connection error and that the funds were never received by XXXX XXXX XXXX and that I should receive the amount back between 3-5 business days. It's been over 8 days and I have not received the funds into my account. I called US Bank to dispute this issue and they had no idea how to resolve and kept stating that funds were delivered while I mentioned no, the payment had failed and they should be able to connect with XXXX to see what occurred. Also, I tried calling XXXX, but they don't provide an option to help if you go through a bank because they have access to that information and they don't. US BANK alleged they opened a dispute but I have received no inquiry since then and it's been over 7 days. In the meantime, I had to cut another check from a different account to pay for the deposit. This is causing me hardship because I am out {$1500.00} with no help from XXXX XXXX XXXX ( because I have no account ), or Us bank. It is not right that both banks do not have the controls in place to reconcile when amounts are received in error. 

Additionally, US BANk written complaint channel via email is down. You can't actually follow up on your dispute without calling and as I mentioned, their agents have not been helpful with this matter. 

Attached screenshots -- proof of XXXX payment -- proof payment failure from XXXX XXXX XXXX and me having to pay a check from a different account to pay for deposit. I request immediate urgency to this matter.

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
My husband wrote a check for {$1400.00} for our rent as we do every single month, which was dated for XX/XX/2020. On XX/XX/2020, our bank ( USAA ) took out {$3400.00} from our account. When I tried to pay for my childs school lunch, the payment wouldnt go through because of insufficient funds. When my husband asked the bank for our funds back, they told us they would need to investigate it and we would not receive a reimbursement until it was complete. When my husband asked how our children would eat at school if we arent able to pay for school lunch, he was told to just use a credit card, like it was no big deal. They said they wouldnt reimburse us for any late fees, insufficient funds fees, or interest accrued from any credit card we may need to use. Not only had the bank hung up on us previous to this final conversation, we were blown off and basically told to deal with it when we asked for our money back. So we now have no money, and Im not confident the bank is even investigating this matter. The customer service Rep said it was the fault of the other bank so nothing could be done to help us in the meantime

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC
State: MO

Complaint narrative:
Milsap and singer a foreclosure law firm who was suppose to be the trustee and have mine and the mortgage companys best interest in mind only had the mortgage companys best interest in mind as they have a financial insentive to side with the mortgage company not only did they not check to see if the lender had grounds to foreclose the stood by and did nothing as I was dual tracked during the foreclosure process the lender violated regulations z and x acourding to the Dodd Frank act tila act respa act and many other laws milsap and singer are in violation of breach in Trust laws and also present a conflict of interest as they are representing the lender in a lawsuit I have filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: WI

Complaint narrative:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

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 2020-02-12 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: Nelnet, Inc.
State: MO

Complaint narrative:
the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through XXXX service, but could not figure out how to do it properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through Transunion service, but could not figure out how to do it properly

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/19 check # XXXX for {$430.00} was cashed from my account that was not authorized to be cashed. It's obviously fraudulent because the endorsement on the back is signed with my name rather than the company who was supposed to cash it. I contacted Wells Fargo about it and they had me fill out a form and get it notarized. I did both however never received any form of contact from them on what happened.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Be advised Im putting your bank on full legal notice there are rules and bi laws that apply here to major banks and myself that we MUST follow and obey laws I have submitted factual information regarding my credit report that clearly shows that you not reporting illegal information and this tradeline must be removed. Per the FCRA all reporting must be ONE HUNDRED percent accurate. Half your reporting is missing amd reporting incorrect if this tradeline is not removed I will be force to take LEGAL ACTION I will asked for {$1000.00} per credit reporting company total of {$4000.00} I will be reaching out to the Minnesota attorney General office first thing in the morning and most importantly I give you Give business day to delete this account. Why you want to play a game here Why dont you send me what information that each credit reporting agencies sent to your company and most importantly You send me what information you provided them. I want this information in physical documents no rig raft I supplied you with factual document pretaining to my issue! If not this will be considered unverified! Again I want this in physical proof! Or delete I will be waiting your response leaving off information is req and must report remove today

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 2020-02-12 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: WI

Complaint narrative:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

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 2020-02-12 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: WI

Complaint narrative:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello. I have repeatedly looked into a debt that a company is telling me I have. While I am currently working to resolve a debt I have with them ; another debt has popped up on my credit report for {$290.00}, and it is not my debt. I have only had one account with this company that I know of. I have tried to dispute through XXXX XXXX and have called the company as well. This has really affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Accounts not mine, sent a Identity affidavit.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
I purchased a XXXX XXXX online at the end of XXXX. The amount on my receipt is {$29.00}. With the company XXXX. However the amount that was charged to my account was {$33.00} and from a different company than what was listed. I disputed the transaction with the merchant with no response at all from them. And with my NetSpend Prepaid Pay Pal Mastercard. I disputed and did what I was told by submitting my proof of dispute for an immediate expedited refund. This particular prepaid card has charged me a monthly fee the day I purchased the card as well as one the month after the account was opened. I still have not received my refund and am being told it can take 90 days. Which is very convenient considering that get XXXX each month my account is open. Now I am being told if I close my account and I get my disputed amount back I will be charged a {$5.00} fee for them to issue a check. I feel like this is outrageous and that as a consumer I am not protected by the master card since it is a prepaid account. I am not sure if anything can be done however I hope there is.

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