vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Continued calls and letters about a debt that is not owed. Notified on a phone call in XXXX that this debt is not owed. Received letter dated XX/XX/14 that I owed debt. Called and notified that this debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
XXXX XXXXXXXX credit card does not belong to me. I did not apply for this line of credit.

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 2023-05-31 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: CA

Complaint narrative:
XXXX  XXXX credit card does not belong to me. I did not apply for this line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
XXXX  XXXX credit card does not belong to me. I did not apply for this line of credit.

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 2023-05-31 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: IL

Complaint narrative:
after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to no avail to get the credit agencies to acknowledge the incorrect information on 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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been calling truist department they have been transferring from one department back to the other Im tired of going back and forth between departments I just want my funds to be release cause Im done with this bank services

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is the second time I have submitted a complaint through cfpb, the first time Bank of America agreed to respond and never did on XX/XX/22 and a stranger company made a transaction from my account to another account that I don't know whose it is for the total of XXXX XXXX dollars and since then I have been talking to the bank of america to give me my money back but they do not want to give me back the money

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
To whom it may concern, this account was never past due this was a subscription that was paid for the yea beginning XXXX, it was reported as negative on my account as of XXXX, when I noticed it was being reported negative I contacted the credit agency and closed account along with a dispute that ended in my favor however the negative months pushed my credit down XXXX points and the months of XX/XX/22 and XX/XX/22 still remains on report. I have attempted to contact extra numerous amounts of time with no answer I have sent letters with no response, I think this should be resolved by erasing negative remarks. 
Thanks in warm regards XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: OH

Complaint narrative:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
I received an email from lending tree. The email stated that I was approved for a loan for {$8000.00} the gentleman said you're approved but we need to try to raise your credit score a little bit more so we need some information that gentleman 's name was XXXX XXXX so he sent me another email to help me with my raise my credit score so I filled it out the email but not really paying attention and I send it back to him not realizing I put my bank information on that letter another gentleman called me named XXXX he told me and he also sent me an email to me I you need to remove any money having the bank move it to another account and I'm going to go ahead and help you is it okay so I did then he cost me back and he says I need you to go to XXXX I need a barcode from there and then when I realized go to XXXX I called the bank I told him look I'm not the one doing this transactions he started like going into my account doing disputes while he disputed what transactions from easy Cash ASAP and they're random they're not exact amounts that I took out loans for so then my bank account was restricted it was closed and I'm unable to open to make a calendar I called es easy cash and I told him what happened I was scammed and that they were targeted and that she's like well her name was XXXX she's like well I can help you she goes they were alone and I said no ma'am they were not alone they were dispute and she goes you have to do a chargebacks and I said I understand but I don't owe you that many I paid y'all those I paid the loan except for XXXX loan did I still owe them and I have not paid them yet because I'm trying to like figure out why she's telling me that I owed her for payments to XXXX XXXX of XXXX and XXXX the XXXX is true I'm out but that XXXX XXXX and a XXXX I don't owe them that and the bank coming that those amounts were not the amounts that were disputed by this company called lending tree they told me they were going to give me a loan and they didn't they but they did mess up my whole bank account and they messed up easy cash now the lady is calling me every single day XXXX XXXX mean that I need to pay her {$320.00} for XXXX  months and then she'll figure out how much I owe her after that to settle a debt that I have with them I didn't disagree I just told her I don't feel that I owe her the money that money because the bank told me different amounts and she disagreed she said she didn't turn me into her law office I told her you know that I mean I'm trying to help settle with them but they don't she doesn't want to accept that amount that my bank told me that they did that was too that they did with the bit what they did was fraud you know the fraud the scammed that I got scammed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My card was stolen, and I believe this person who stole it saw me put my card passcode into a machine. Once he or she stole my card and information they processed a fraudulent check, made multiple transactions and withdraws with my card. They went to different Chase banks and withdrew {$23000.00}. Chase refused to be liable and ignored my complaints. I was out of town and had no idea this was happening. Chase called me after the first transaction and I reported that my card was lost/stolen and they hesitated to lock and freeze my account, with it being my understanding that it was locked.

I submitted multiple police reports and claims that these withdraws were not me nor authorized. This person deposited a fraudulent check not signed by me and I have never seen before and started making withdraws. I had no idea this was happening until I logged into my account.

Chase is simply liable because these withdraws were made at a Chase Branch and they did not ask for any proof of it being me. They didnt have my ID therefore they did not verify if it was me. Chase just gave my money away and is blaming me for not having a more secure pin. When In retrospect if you go to the bank annd is withdrawing thousands of dollars which is clearly abnormal for me being that I have no history of Doing that on my account.they should have seen and verified that it was not me. They should not have been able to take my Money out and deposit a check. Chase did not verity it was me at anytime. Even after I submitted a request to lock my card. After multiple complaints they did not update me in any way of the claims being investigated or how, and they also kept hanging up in my face, and lied to me about temporary credit until the investigation was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
On XX/XX/2023 I closed on a house. During the closing process, I set up auto pay through my business account, which I have done for other housing purchases. United Wholesale Mortgage declined my payment for the month of XXXX and XXXX. They did not add me as the primary account holder ( I required a co-signer ) thus I was not informed they declined my payment. 

I called on XX/XX/2023 ( rough time estimation ) and was told that they do not accept payments from third parties. I asked for the necessary forms to complete so they can accept payments from my business account. They emailed me. But the email did not contain the correct information. I called XXXX days later. They emailed me. Again, not the correct information. I called again and asked for a manager. The manager said he would mail me the document I needed to sign. It is XX/XX/2023 and I have not received the document. 

This process has dropped my credit score from XXXX to XXXX. Their error has cost me money and has prevented me from making other purchases as my credit score is so low. 

I have tried to work with this company. I called XXXX XXXX to help me. They have sent United Wholesale Mortgage XXXX inquiries and they have not responded to XXXX XXXX. 

Please help me. All I want to do is set up auto pay through my business account and have my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, I submitted the first  of XXXX loan modification applications to SLS, only to have each one denied for reasons that were not true. In XX/XX/XXXX and XX/XX/XXXX, following the loss of a job, I submitted what would be the first  of loan modification application packages only to have both of them denied for " incomplete documentation '' even though I included all of the requested documentation that SLS had asked for. In XX/XX/XXXX, I submitted a third loan modification application package tp SLS only to have it be denied for " insufficient income '' even though I submitted more than enough income as both my husband and I can afford the payment on a modified mortgage loan. In XX/XX/XXXX, SLS sent a foreclosure letter to me but not to my husband, even though he co-owns the property with me. In failing to send my husband a copy, SLS violated Section 14 of Chapter 244 of Massachusetts General Laws. Our foreclosure is schedule for XX/XX/XXXX. We need SLS to stop the foreclosure so we can apply for a loan modification with both of our incomes. We feel that SLS is trying to enrich itself with the home equity that we have worked hard to build in our home. Please contact SLS stop the foreclosure on XX/XX/XXXX as we want to keep our home and re-apply for a loan modification. We have no place to go if we lose our home and our family will be forever displaced and homeless as we can not rent due to our credit being harmed. Please help us.

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 2023-05-31 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  Acct XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.S.C 1681 Section 604 A Secion 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance offered a settlement agreement amount to settle my account with them through The law firm XXXX and XXXX. I paid the settlement amount in XX/XX/23. I waited more than thirty days for them to report the payment to my credit company XXXX but they have yet to report the account has been paid. Ive submitted several disputes regarding this account through XXXX but Credit Acceptance has not taken the necessary action to get this account resolved and closed. I have submitted the documents from XXXX and XXXX showing the account has been paid in full to them but they still reporting this account open on my credit report and its hurting my credit score. At this point its false information because the account has been paid.

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 2023-05-31 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, 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 non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
XXXX XX/XX/XXXX, I contacted Specialized Loan Services and requested financial assistance. The representative that I spoke to, told me that I could apply for a forbearance. I asked the representative to apply for it for me and I was told that I will get it. I went on with Life as usual and was not afraid to miss payments because I had the foreclosure. 

XXXX XX/XX/XXXX, I called Specialized Loan Services to ask a question and found out that my request for a forbearance was denied. I never received any correspondence confirming this. I was told that I had XXXX previously and would not be eligible for another one. This put me in a financial hardship because I was paying for vehicle repairs as well as appliances since most of them died on me and I missed payments to my mortgage. 

XX/XX/XXXX, I applied for a loan modification with SLS and because I received paperwork namely a XXXX document, I sought out financial counseling services to halt the foreclosure process. In the meanwhile, I was denied a loan modification because they could not go any lower but they approved me to do a short sale. When I contacted SLS, I was told that there arent any options left for me. To date my home owners insurance has decided not to renew as Id XX/XX/XXXX because of this very foreclosure.

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 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I'm a past wells fargo client and I was inquiring about the settlement

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 2023-05-31 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: FL

Complaint narrative:
I wish to have the following inquires removed from all three credit bureas as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation