vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: First Advantage LNS Inc.
State: NJ

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH XXXXXXXX XXXX XXXX XXXX  AND I DO NOT HAVE A CONTRACT WITH NATIONAL CREDIT AUDIT CORP. THIS IS A FALSE ACCOUNT. # XXXX DATE OPENED : XX/XX/2021 AMOUNT {$10000.00}. I HAVE ALREADY ASKED FOR A PROPER INVESTIGATION AND HAVE NOT RECIEVED XXXX. NEITHER COMPANY HAS VALIDATED THE DEBT. NEITHER COMPANY HAS SENT DOCUMENTS CONTAINING MY WET SIGNATURE PROVING I OWE THIS ALLEDGED DEBT. I DID NOT CONSENT OR AUTHORIZE NCAC TO OBTAIN MY INFORMATION AND CONTACT ME. THEY HAVE BEEN ADDING NEGATIVE MARKS TO MY CREDIT REPORT WITHOUT MY CONSENT AND REFUSING TO REMOVE THE MARK. ANYTHING DONE ABOUT ME THE NATURAL PERSON WITHOUT MY CONSENT IS IDENITY THEFT. AT THIS POINT THEY ARENT SEEKING TO AVOID LITIGATION, AFTER CLEARLY BREAKING FCRA LAWS. IAM SEEKING LITIGATION AS OF NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
THE COMPANY, AD ASTRA RECOVERY SERVICE, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. I have never signed a CONTRACT or PROMISSORY NOTE with this company. Whereas I believe them to be a debt buyer, AD ASTRA RECOVERY SERVICE must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, ON THE PUBLIC AND PRIVATE SIDE that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: GA

Complaint narrative:
XXXX XXXX Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent out multiple letters to update my consumer profile for the following accounts ; XXXX XXXX XXXX accounts they are not reporting correctly and I need to verify where some of the account numbers are coming from. 

Sent letters on the following dates : XX/XX/2021 XX/XX/2021

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 2021-11-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent out multiple letters to update my consumer profile for the following accounts ; XXXX XXXX XXXX accounts they are not reporting correctly and I need to verify where some of the account numbers are coming from. 

Sent letters on the following dates : XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WI

Complaint narrative:
I recently opened a checking account with US Bank. My first deposit was significant. I am accustomed to making online payments of bills through Bill Pay. On XX/XX/XXXX, I sent three online payments to two financial institutions to pay off credit cards. The date given for delivery was XX/XX/XXXX. As the funds were still in my account as of XX/XX/XXXX, I contacted the bank and found that they had for some reason sent checks to these financial institutions and the payments are hanging in limbo. The 800 clerk said she didn't know how they could be mailed as they had no address!!!! 

This is totally unacceptable. Payments to individuals could understandably be made by check but certainly not financial institutions. 

I am unable to find a phone number other than a general 800 number. Corporations should not be allowed to hide behind an 800 number! I deserve to talk to someone that can complete my transactions instead of having funds in limbo!

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I received a text message alert from Citibank asking about a purchase. I responded that I did not authorize the purchase. I was immediately contacted by Citi fraud regarding the unauthorized attempt on my account. While on the phone with the Citi rep I was sent several Citi codes to help secure my accounts, which the Citi rep asked for to verify my account. I was on the phone for quite a while with this Citi rep when a message was sent to me asking about a transfer of funds through XXXX. The Citi rep told me it was a " test '' and no funds were leaving my accounts. After following his instructions, my account was immediately drained with the almost exact amounts in both my savings and checking. I was screaming at the Citi rep that my money was being stolen and he told me that he was locking my account and blocking all transactions. I checked my mobile app for Citi and my account was indeed locked. I asked for the information for the person who was trying to transfer funds out of my account and where the initial charge was attempted. He finally gave me the information at the end of the call. Feeling very uneasy, I called Citi fraud back and learned that both of my accounts were in fact drained of all funds while I was on the phone with the Citi rep. I spent the next 1.5 hours on the phone with the Citi fraud and Citi-XXXX fraud departments. It was confirmed by two Citi fraud representatives, during my second phone call that the Citi rep from my first phone call with the fraud department was a Citi employee. Additionally, when I went to Citibank - XXXX to open new checking and savings accounts, the bank manager confirmed that the numbers from which the texts the first Citi rep sent me text messages to take over my account came from the same Citi number that the bank manager received his messages. I was told on XX/XX/2021 that the stolen funds would be put back into my compromised account and then transferred to my new accounts on XX/XX/2021. As of today, XX/XX/2021, I have still not received my funds back. Moreover, I have been informed that IF Citi decides to return my money, it will not happen until XX/XX/2021. I believe I am not the only target of this Citi employee, that Citi is trying to cover it up and it is totally unfair that I had all my money stolen and Citi refuses to return it, especially since it was done by one of their employees. Attached to this complaint are the text messages I received while on the phone with the first Citi rep and the email I sent to our families personal banker for your review, response and file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I believe someone used my personal information

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I've been writing checks from this account which I had signatory power for over 7 years. My Dad passed away on XX/XX/21. On or about XX/XX/21, WITHOUT ANY NOTICE OR WARNING, Bank of America, ( BOA ), withdrew all the funds from the account leaving a zero balance, and froze the account. When I called to find out what was going on, they said I could no longer access the account until a bunch of legal steps take place which only a lawyer could institute, and that my Dad 's death certificate and his will naming me as the Successor, ( after my Mom 's passing ), was insufficient. What is the purpose of a will? They also refused to honor any checks that were previously written and not yet cashed from that date, causing the situation of possible bounced checks and a lot of aggravation. I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX, but they said they had no jurisdiction over BOA and referred my complaint to you. I believe their 'stealing ' of funds, and not allowing me access to these funds to take care of my Dad 's financial affairs, even with a will, is excessive use of their authority.

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 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call 8-10 times over a XXXX min period daily from different numbers and use different agents. They call at XXXX in the morning, during my work hours. I have asked them to stop calling until after XXXX and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: VA

Complaint narrative:
I live in Virginia and someone used my cash app card XXXX different times at XXXX in New York and I live in XXXX Virginia this is my rent money and bill money that has been taken. XXXX took XXXX $ from cashapp card XX/XX/XXXX at XXXX and another XXXX $ at XXXX and another for XXXX $ and another for XXXX. Remind you I live in Virginia these charges are absurd this is all of my money and there was another charge that I havent received back on XX/XX/XXXX at XXXX at the same XXXX New York location that cash all havent resolved yet but sent me another card im thinking that im okay until I wake up and see my cash app account drained. I have rent do on Thursday and my electric bill not including food for my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: FL

Complaint narrative:
I applied for a checking and savings account at XXXX XXXX, without my consent this company did a HARD CREDIT PULL on my Equifax. 

Contacted XXXX financial around XX/XX/XXXX via phone, the agent stated a request was submitted to the correct department and that I would hear back within 3 business days. I never received a call back, email or any communication. 

A second contact attempt was made on XX/XX/2021 via online banking and although there was a response it was not helpful. 

This complaint is about the fact that when applying for a checking account there was no clear request for approval to pull my credit. Most banking institutions do CHEXSYSTEMS for deposit accounts ... a consumer NOT APPLYING FOR CREDIT should not be impacted by opening savings/checking accounts. Never in my 15 years banking have I experienced this by an institution. 

I already submitted a complaint to EQUIFAX and it was not resolved by them. Only XXXX may make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cherry Creek Corporate, LLC
State: IN

Complaint narrative:
The amounts listed as payoff for my HELOC and my first mortgage in my loan do not match the actual payoff amounts recorded with my former lender ( payments were made and processed ). The new lender listed payoff amounts ( incorporated into my loan ) that were higher than the actual. 

HELOC payoff listed in closing doc = {$84000.00}, but actual payoff made was only {$84000.00} 1st Mortgage payoff in closing doc = {$250000.00}, but actual payoff made was only {$250000.00} Discrepancy is {$430.00}. 

The new loan was closed on XX/XX/21 and payoffs were made on XX/XX/21. There is no record of the additional money being sent to my previous mortgage company in error ( They are showing payment for the actual amounts listed above and no more. ) I contacted the mortgage broker, XXXX XXXX, of XXXX XXXX XXXX XXXX, on XX/XX/21 and supplied him with the docs from my refinance to show the larger payoff numbers listed and the statements from my former mortgage company showing the payments made. He directed me to my former lender, but my former lender only received the actual payoff amount, no extra. I also called the mortgage company that closed my new loan ( Cherry Creek Mortgage Company ), on XX/XX/21 and left a message about the situation. They have not returned my call and my loan has already been sold to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXX {$0.00} Collection : XXXX {$8300.00} Repossesion XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They call 8-10 times over a 20 min period daily from different numbers and use different agents. They call at 830-850 in the morning, during my work hours. I have asked them to stop calling until after 5 and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.

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 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Since XXXX 2021 I have been contacting this company via letter regarding my issue. HIPPA was broken when speaking with a representative! I did NOT sign HIPPA forms to authorize this company to access my medical records. Therefore HIPPA was violated and I am seeking legal action if the issue isnt resolved! The bills are in the amount of {$1900.00} & {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
On XX/XX/XXXX, I sent Equifax a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to Equifax, I called Equifax XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to Equifax again, I have not gotten a response in regards to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX {$0.00} Charge Off : XXXX XXXX XXXXXXXX {$0.00}

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I did not earn this debt, I had to do all sorts of research to even figure out what company it was originally from. I found out it was a XXXX credit account, and was even more confused on where it came from. I didnt have proof, but I assumed it was my XXXX XXXX  mother who had something to do with it since she has used my name to purchase things and sign up for things in the past. I have disputed it many times and it was resolved and removed from my credit. I even received a bill that said XXXX $ balance owed. Only for it to be re added months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They call XXXX times over a XXXX min period at the very start of my work day, XXXX a.m. they use a different number and a different agent and known of them are aware that they just contacted me. I have asked them to stop calling so much and during my work hours but they increased the number of calls lately. It's becoming a problem for me at work and my boss is starting to notice the non-stop non work calls.

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 2021-11-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification XXXX XXXX ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification Ad Astra ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations

Company response to consumer: Closed with explanation