vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 Bank of America automatically and unlawfully froze my Business checking account as a result of its flawed fraud detection program, significantly impacting my business ' ability to pay staff and contractors and offered XXXX recourse despite the fact that there was no fraud and all transactions were previously verified verbally over the phone with a Bank of America Representative, also via text, and through the online banking portal prior to the account freeze.

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 2023-02-27 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: Kriya Capital, LLC
State: MD

Complaint narrative:
I requested a method of validation on XX/XX/2023. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I made an electronic check deposit to my checking account with Huntington bank on XX/XX/XXXX of the amount of {$7500.00} and usually the standard best practice is to have accessibility to a portion of this amount, they denied my exes to the whole amount, then they sent me a letter saying they put it on hold until XX/XX/XXXX, and I will be allowed access to a portion of it Which is not the fact, they denied my access to the whole amount all the time I called them three times to release the hold on some of this amount the denied I have been a customer with them for more than four years and with a good standing. Also have a direct deposit running to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$260.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH AcXXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/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 2023-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
had a no penalty cd which we closed and opened a new no penalty cd. They had a update in there software which caused a glitch and showed i opened new cd but still and placed the balance in the new cd but it also showed the closed cd with the same balance leading to a debit of XXXX. which was completly on there side since i verified the cd was closed and new one was open. they put a hold on my account. which was due to there glitch from Ally bank the exact same thing happend to my wifes accounts and they also placed a hold on her accound when there is there mistake

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
CBS Collections and I settled this debt back on XXXX2022 yet they continue to report the debt on my credit report. According to the settlement, they were supposed to dismiss the claims and remove them from my credit report. However, they continue to report this debt to both collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There was a problem with my XXXX XXXX and a false delinquent payment on my account. I contacted Lowes ( the company who reported it ) they investigated and determined it was incorrect and sent me a letter that they removed it. XXXX months later it has not shown in my credit report.

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 2023-02-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been working very hard on my credit report and on XX/XX/2023, I paid down my XXXX XXXX card a XXXX XXXX  dollars ( with a balance still there, just it went down {$280.00} ) and on XX/XX/XXXX, EQUIFAX reported that my score went DOWN XXXX points BECAUSE of this action. And the notation below it says NICE WORK! 

On Sunday, XX/XX/XXXX, I called EQUIFAX. I spoke with a representative for about an hour ( hold times, etc ) and she told me that it COULD be resolved. Then I was cut off after about and hours time, and had to start all over again. 

The second time, after escalating it to a supervisor bc I was cut off the first time ( they say they are unable to return calls if they drop them by accident ) The company refused to do anything about it after I spent over two hours total on the phone, on Sunday, and all the upper level supervisor would say that its an automated system and they have no idea why it goes up or down. And there was NOTHING he could or would do. The first representative should have told me this and not wasted all my time and tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My company received a call from Citizens Bank regarding a possible fraudulent check they received via atm deposit for {$17000.00}. We verified that it was a washed check that had been cashed by the original payee, stolen and then reissued to a person who deposited it through an automatic teller. This occurred on XXXX XXXX, XXXX. These funds were not applied to the individuals account by Citizens who was holding this money until proper disbursement could be verified and made. 

We completed the necessary claim paperwork through our bank ( XXXX XXXX  in XXXX, CT ). That paperwork was forwarded to Citizens Bank Fraud Dept. We were told it could take up to 90 days to process. We began inquiring about the resolution in late XXXX but XXXX XXXX  was told the claim was not in Citizens system. XXXX XXXX  personnel have forwarded this claim multiple times without receiving a confirmation of receipt until XXXX XXXX, XXXX when they were finally able to get a case number assigned to it. ( # XXXX ) We are going on 22 weeks without closure of this claim. What can be done to return the {$17000.00} that is sitting with Citizens Bank? I'm expecting that our claim will continue to be lost so that Citizens can not be held accountable for failure to process timely. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
CONVERGENT OUTSOURCING IS FRAUDULENTING REPORTING A COLLECTION DEBT THAT'S NOT OWED TO MY TO XXXX, XXXX, AND XXXX. 
DATE OPENED : XX/XX/2021 ACCT # XXXX AMOUNT {$1400.00}

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 explanation
Consumer complaint received 2023-02-27 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: FL

Complaint narrative:
TRANSUNION HAS FALSELY VERIFIED INACCURATE INFORMATION ON MY CREDIT REPORT - ONCE AGAIN!

TRANSUNION HAS NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, TRANSUNION has FAILED to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ).

Under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

PLEASE BE AWARE ... ... .The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ).

If you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-02-27 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, Equifax, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
I have reached out serval times asking for them to verify this info still haven't done it. I asked what method did u get this from please send the original purchase agreement to verify this debt of {$11000.00}, {$4700.00}, {$10000.00}, and {$10000.00} no action has been taken since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2023-02-27 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint with CFPB about this same debt and debt collector/law firm. See that complaint here : YOUR COMPLAINT I received notice that I am being sued by XXXX XXXX XXXX, XXXX XXXX at a trial on XX/XX/XXXX in a Justice of the Peace Court . I do not know the company nor have I done business with them. I am XXXX years old, widowed and on a limited income. I can not afford an attorney. I believe this is a scam and a form of harassment due to my age. I have filed a complaint with the Attorney General of Texas and sent an email to the Justice of the Peace regarding this.

The response from the company is here : Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX acquired a XXXX XXXX account in XXXX XXXX name reflecting a balance of {$3400.00}. When efforts to resolve the debt were unsuccessful, the account was placed with XXXX XXXX, XXXX with authorization to file suit on our behalf. The matter was subsequently transferred to Javitch Block, LLC. Based on the information XXXX XXXX provided and as a courtesy, we have instructed Javitch Block, LLC to dismiss the case. XXXX XXXX XXXX XXXX XXXX is terminating further collection efforts and closing its file. Thank you for the opportunity to respond. 

The most recent letter dated XX/XX/XXXX from Javitch Block LLC is attached and again a request for debt collection for XXXX XXXX XXXX XXXX but no indication for what. I do not owe XXXX XXXX XXXX or Javitch Block LLC. 

I would appreciate assistance on this. Preying upon the elderly should be a criminal offense. Regards, 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 explanation
Consumer complaint received 2023-02-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I requested a method of validation on XX/XX/2023. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA

Complaint narrative:
My mother recently passed away and I have been on able to find the title to her car. I called them send her death certificate with her beneficiaries name they have told us three times this is all they need to send us a letter there is no lein on the car. I was starting to get confused because my mother has all her she has receipts from grocery stores that dont even exist anymore. So I called them and asked when the original title was mailed out they told me XXXX of XXXX. I said no that is wrong she got really defensive and hung up on me. The car was paid off in XXXX of XXXX they never mailed my mother the title. Now we need it to move the car we are racking up fines. They are being very unhelpful

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 2023-02-27 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: MD

Complaint narrative:
Transunion is reporting a derogatory " late payment '' from XXXX XXXX, but the account is charged off and closed. This account must be deleted immediately for FCRA violation.

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 2023-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
I can't reach a supervisor to discuss issues with my PSLF forgiveness. Mohela shows my forgiveness only going back to XX/XX/XXXX when it should go back to XX/XX/XXXX. This has caused my PSLF payment count to only go from XXXX/XXXX to XX/XX/XXXX. My loan has been forgiven but if my payments were properly accounted for, forgiveness should be from XX/XX/XXXX to XX/XX/XXXX. That would mean any payments after XXXX would be refunded. 

I've tried calling Mohela several times to discuss this with them but whenever I contact them and get transferred to a supervisor I either get disconnected or wait on hold for hours and no one picks up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2023-02-27 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:
On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I applied for a checking/saving account with XXXX. I was denied due to information on Early Warning Services LLC. I have contacted them but have not received an update on my status or what information is being reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: First Technology Federal Credit Union
State: NC

Complaint narrative:
I was never late on any of my credit card payments back in XXXX and XXXX of 2017! Please either remove the late payments or the entire account! Thank you

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