vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: RI

Complaint narrative:
So far I was not getting any letter from this debt collector Credence resource management since XXXX. Now I just got the letter again in the mail today on XX/XX/XXXX I do not lease anymore from t mobile I want this disputed Right now!. I can not afford to pay the {$1500.00} Im no longer leasing from XXXX XXXX They keep harassing me. I do not have the rights to pay this. I want this to stop immediately I will take this into legal actions If THIS DOES NOT STOP. I only have one job and I am on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I went into Truist Bank on XXXX XXXX in XXXX, NC to open a new checking account with XXXX XXXX. I was on a joint checking account with my DAD, who passed away on XX/XX/XXXX. Well they did not open a new account, they simply removed my DAD name and ordered me a new debit card. I don't recall being told it would not be a new account. In addition, on XX/XX/XXXX I opened a Money Market Savings with XXXX XXXX. On XX/XX/XXXX the US Treasury sent a reclamation for XXXX for a payment for my dad. There was not enough in that checking account. Truist just went into my personal money market savings and took the payment to pay the US Treasury. I spoke to US Treasury and per them, Truist should had responded to the reclaimation that account has closed or was insufficient and they would have pursued his estate. Truist supervisor XXXX state they could go in ANY account I have to pay for my dad obligations, due to I signed a signature card for the joint account and because I was a beneficiary. I spoke to a branch manager, XXXX, she advised that is impossible. I can't be a joint and a beneficiary. I have a long of the 25 times I have called the local branch and call center. NO one will ever back. Local branch said this is out there hands.

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 2023-04-23 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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX  but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, 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 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I was contacted about a debt with Portfolio Recovery Associates regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was the victim of fraud for the account ending in XXXX. Bank of America initially didn't accept it as a fraudulent claim when first reported in XX/XX/2022. The account was closed, the balance remained open and payments that were not made were recorded as missed payments on my credit report and the account was charged off. The fraud claim was accepted a year later but the missed payments and charge off was not removed from my credit report. I reported the inaccurate information to XXXX and XXXX but Bank of America stated that the incorrect information was correct. After reaching out to Bank of America over the phone regarding the matter I was transferred 6 times and the matter has not been resolved.

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 2023-04-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I purchased a hotel reservation via XXXX for a stay XXXX. When I received the confirmation email for XXXX, I immediately called the vendor and reported the inaccuracy. This was done well within the 24-hour window, established for travel cancellations for any booking made in the USA. Much to my frustration, I had to argue with someone who barely spoke English, who was programmed with a machine like voice to tell me that the reservation is not subject to cancellation. The person knew nothing about the 24-hour window rule. Also, the vendor de facto had no way to address discrepancies due to its own software. I then had to purchase another reservation, and this time it was correctly dated.

One of the two reservations, however, should be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Repeated phone calls even though I asked and written them requesting them to stop calling. 

Calling late at night, very early in morning, and during work hours. 

Received threats of court action, being unable to register a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: NY

Complaint narrative:
I originally received a loan from XXXX I was given XXXX up front and have a XXXX bye weekly payments, I had a little over XXXX left to pay off and then have access to the XXXX. I paid off the loan a week ago and they will not let me take my XXXX because of some process I was unaware of. I originally got my loan from XXXX  about 7 months ago XXXX sold the company to sst now I cant access my funds until they deem it on. So I ask that all the interest my money is gaining by sitting in the bank am I going to get he told me no me building a savings account is for me not you. So now I paid them interest on the loan and now my money is sitting in the bank gaining interest for them because they wont let me access it til they deem it ok. I have guys name and badge number that pretty much told I have to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I write navy Federal about my account. This account has been reported on my credit report over 8 years and by law is only have 7yeqrs years to report on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I was contacted about a debt with XXXX XXXX XXXX regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022 my phone was stolen out of my hands when in public. The person was able to get into my Paypal account and sent payments from several bank accounts to a number of individuals. After notifying my banks they were able to reverse the payments. After notifying Paypal, however, they stated that it was my fault that this occurred and threatened to send the {$1000.00} negative balance to collections. To prevent this from happening, I sent {$1000.00} to Paypal to cover the fraudulent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, us dept of ed/XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

i have reached out multiple time to resolve the issues someone has to hold them accountable.

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 2023-04-23 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:
I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: GA

Complaint narrative:
I had unintentionally provided my employer with an old account info for cash app that I no longer had access to. This was XXXX of 2021 once I realized my error and contacted cash app about the issue it took a couple of days die to the way their customer service is set up they assured me that if I provided a letter from my employer on company letterhead that had specific information about the direct deposit and ach number that the issue could be resolved. We'll once I had that form my employer it was a different story altogether and they stated I'd have to have the issuer reverse the deposit. This was about XXXX by this point in time which was 2 months after.ive tried showing them the original emails where they said they could resolve the issue with said letter but to no avail. This is for a paycheck for over XXXX dollars and it's frustrating for me. All bc I don'have access to the phone or email that I used for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-04-23 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened a dispute for services not rendered with carecredit in XXXX for XXXX The business verbally agreed to request full refund from corporate because the doctor went on leave and no one could tell me what was done before XXXX was aborted due to the power outage but later deciding only to partially refund XXXX. They said I have to request the medical records to see what was done that per the clinic manager who could not tell me anything nor another surgeon when I was at the facility that part of the XXXX was complete. They are charging me for loss of revenue due to the outage the XXXX  report reads infiltration start XXXX and aborted XXXX due to power outage. The business does not have generators only batteries so it was impossible to complete anything if an unexpected power outage occurred but the batteries would allow XXXX  time to safely stop. I ended up paying the card off so it wouldnt hurt my credit expecting a charge back. I just recently in XX/XX/XXXX found out it was closed due to the merchant providing a receipt. So the rep reopened the dispute and it was closed again without explanation so I was told to submit an appeal letter I included medical records from the merchant that the procedure was aborted due to power outage on XX/XX/XXXX. Was told it was closed as well with no explanation. Then I got a letter saying my account balance is XXXX which I know because I paid it. If I report services wasnt rendered how is a receipt sufficient evidence from the merchant. The merchant makes you pay 2 weeks in advance if your paying with a card they dont bill you after the services are rendered. The operative report XXXX  signature looked forge I included prescription to see the difference in XXXX  signature I only had XXXX XXXX. I have more medical records, and emails where I have been trying resolve this with the merchant for the past XXXX yrs they are trying manipulate me into getting the XXXX finished instead of refunding me saying that no other doctor is going to touch another XXXX  work but one at their facility agreed to. They have been rude saying did I prefer they didnt stop XXXX or telling me the contract was void when the power went out so I dont have a valid contract and they rewrote one while I was unconscious and unprofessional on the phone and asked them to put it in writing they say they rather speak on the phone.I cant communicate with them when Im being treated poorly how can they expect I can trust 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 2023-04-23 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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, 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 2023-04-23 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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and maXXXX cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, 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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Repeated phone calls at all hours of the day. Trying to mask the phone number. Also, strange looking letters offering to settle the debt for a lesser amount but not telling me who I owe the money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, 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 explanation