vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received a text message from a debt collector with my name in regards to a debt collection. I am not aware of this debt and called to verify the debt and to request how they got a hold of my information and what it was in regards to. They refused to inform me and instead asked me to admit that my name in order for me to be given any information on the debt. The problem is, I havent seen anything on my credit report in regards to this debt which is why i asked for information on the debt for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I applied for a FHA re- finance loan. XXXX XXXX was aware that I had been trying to get Transunion and XXXX to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call 3rd party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked Transunion and XXXX to remove them and they would not as the tradelines information reported are not vaild

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 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My student loans are in the process of being discharged. I have approval with Sweet vs. Cardona and {$40000.00} has already been discharged. I have another {$20000.00} remaining. AS soon as the $ XXXX was removed they kicked me back into repayment and wont fix it. Per the terms of the agreement I am to be on administrative forbearance. I am getting the run around from Mohela and Dept of Education. I am now paying interest and have a payment due on loans that are being discharged. This need to be fixed. I clearly states that my loans are to remain in Forbearance until discharge. I provided Mohela copies of these documents in 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 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/23 I contacted XXXX XXXX XXXX XXXX which is the original creditor. I never had a policy with this company. 
I contacted them, they could not provide a account number or any additional information about this account. 
I tried to provide my social security number the company stated they wouldnt have my social security number. I provided my Drivers license and XXXX XXXX XXXX XXXX  said they couldnt locate a file with my information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
This company has not explained the hold they are placing on my transactions. I do not have a 2-step validation and yet they want me to respond with a " yes or no '' to purchases. My sources state that CHIME has been money laundering stolen checks and their Modus of Operandi is to put a hold on legitimate purchases so they can use your message of " yes '' to validate illegal transactions. I have not cashed a check over XXXX dollars, with Chime. The check was a refund for a month of service with XXXX XXXX. XXXX XXXX carried on business in the same manner. I did not have 2-step validation with them either, however, they required a recording of my voice to conduct transactions. When I refused to give it to them, XXXX XXXX started sending text messages to approve purchases and that is when I discovered the fake accounts in my name that were doing illegitimate business and sending the statements to an alternate email address. CHIME, mimics XXXX XXXX 's fraud, and when I first filed this complaint all of the 2-step verification stopped immediately. Now that CHIME thinks the case is closed they are repeating the same fraudeulent activity. 
I do not want 2-step validation with this bank, nor do I want text messages from them. 
I am reporting CHIME to FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App refuses to remove the {$60.00} temporary authorization hold from my account ( from XX/XX/15 at XXXX ), despite the fact both myself and the general manager of XXXX XXXX XXXX  XXXX provided the necessary letter ( see attached ) to have the hold immediately removed. They are blatantly trying to hold on to my money for 14 days as a way to make interest for their company off of my money. This type of practice is wrong on so many levels and banks need to be held accountable for these deceptive and dishonest practices. I have both called and emailed Cash App support NUMEROUS times over the last three days and they absolutely refuse to help in any way. Im homeless and living in my van and I need access to my {$60.00}. I advised Cash App of this as well and they have absolutely ZERO empathy! When you call you cant reach a US based customer service team and thats half the battle. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
Me, my son XXXX and daughter in XXXX XXXX XXXX just purchased a property that was serviced by M & T bank, that had an assumable FHA mortgage attached to it. The loan number is and was XXXX. 

The facts surrounding this process were unremarkable, up until just before closing. M & T approved our assumption, and XXXX of the lender 's conditions were that the buyer ( XXXX ) were to pay the XXXX payment for a closing date of of XX/XX/2023. 

It is well settled and understood that mortgage payments are made in arrears, which means that M & T 's requirement that WE pay XXXX 's payment ( which is XXXX 's interest ) is wrong on three fronts : XXXX ) It interfered and changed the contractual agreement between the buyer and seller, which did not provide for the buyer to pay the seller 's interest payment for the month, which in tort is an interference in contractual relations. 
XXXX ) Violated well established nationwide practice by all closing agents, mortgage companies, and industry professionals, 3 ) Violated FHA rules as it relates to assumptions. According to the XXXX, FHA forbids a mortgage company to charge the buyer on an assumption any more than {$900.00}. M & T 's requirement as a condition of closing that we pay the XXXX XXXX payment violates this rule in addition to the above mentioned transgressions. 

It is therefore requested that M & T either refund us the XXXX, or apply it as a credit for our XX/XX/2023 mortgage payment.

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 2023-09-20 00:00:00
Product: Credit reporting 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened early this month XX/XX/2023 an Inquire against CITIBANK VISA. XXXX Today I got its response Still stating they can't assist/ help me with this dispute against the merchant for {$1000.00} The reason as they stated is because " The merchant has denied additional request for credit, stating that services were rendered, and support evidence was provided ''. 
So What's about the information I provided you after That I had to go a XXXX merchant to correct the errors done by the First Agent? I had to spend money and Time for the same repair. 

Because it doesn't make Sense having XXXX disputes against the same merchant and you were able to resolve the XXXX Dispute and not this main one. 

In another part of the letter it says. I NEED TO CONTACT THE MERCHANT DIRECTLY OR BY OTHER MEANS TO OBTAIN CREDIT. 

Basically " you are throwing me under the bus '' I stated this because I didn't pay with Cash or Check to the merchant so I can deal directly with them, I paid with a CREDIT CARD you provided me and because of it You supposed to deal directly with them in order to get your money back, By all means even consider legal action against them. 

Under the FAIR CREDIT PROTECTION ACT that's my consumer right I'm invoking at this time I would like to have the CFPB Ombudsman to make CITIBANK VISA To pursue this Dispute even to take legal action against the Merchant bank. Because other ways it would an Indirect way for CITIBANK VISA saying to the consumers as myself " We can't resolve your problem you deal with them, and you need to pay us regardless, Thats your problem not 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 2023-09-20 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Company did not resolve my issue when contacted and told them I am a victim of identity theft

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 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Submitted application showing unemployed XX/XX/23. Was told Id receive follow up emails every 10 days. That was a lie. Never received anything. Called again on XX/XX/23 and spoke to XXXX ( ID XXXX ) at XXXX XXXX AFTER HOLDING FOR TWO HOURS. Was told I submitted XXXX app too early and it would be processed in XXXX days. Seems random and like she was just trying to get me off the phone. Nothing ever came of it. Application still in review. Was also promised callback and email. Also lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I spoke to Apple and I explained what happened the purchases were made through appl e pay and my physical card was stolen and my phone was also stolen. Apple closed my account and is forcing me to pay outstanding balance for transactions I did not make I have had to replace my phone multiple times. Apple is making it seem like I am lying about the situation and I feel very disrespected on that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account in Capital One 360 Performance Savings Account. 
On XXXX XXXX I made a Mobile Deposit into this account. I received A notice on that day stating the following : After an in-depth review of the check deposit ( XXXX ) you made on XX/XX/2023, into your account ending in XXXX, we believe there is an increased risk that the deposit may return based on confidential information that indicates that the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of {$17000.00} until XX/XX/2023. 

However, as a result of this review, we noticed additional unusual activity and for your protection we restricted your account ( XXXX ). A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money.

The next E-Mail I received that day stated : We wanted to let you know that your check was successfully deposited, so you can go ahead and destroy your check. Here are the details of your deposit : Amount : {$17000.00} To : Performance Savings, XXXX Deposit Date : XX/XX/2023 Fully Available On : XX/XX/2023 Availability Details : {$17000.00} on XX/XX/2023 It is nowXX/XX/2023, XXXX  business days later, and my account is still restricted and I do not have access to this money. I have contacted Capital One various times by phone and E-Mail and I have not received any clear indication of the status of this account. 

XXXX XXXX XXXX : XXXX E-Mail : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
After discovering this derogatory mark on my credit report and requesting information from this debt collection agency, i have come to the conclusion that this was a result of me being a victim of identity theft. National credit adjusters provided me with the information i requested and also asked that I submit an Identity Theft Report. I have already emailed them my identity theft report after they somehow got ahold of my email and sent me an email requesting the identity theft report. I also attempted to reach out to XXXX XXXX with the phone number I was provided in the letter i received but have yet to speak with him after leaving a message and calling several times to inform him of the identity theft report. They now have my information and have sent me a written letter through mail of the debt I have been disputing with them. I do not wish for them to have any of my personal information such as my phone number, home or email address, etc and ask that this collection be closed and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am refilling formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief