vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
We are reaching out because we recently tried to sell our house and discovered that there were two partial claims totaling about {$50000.00} that we did not remember agreeing to and we were unaware was being processed through FHA not our lender. We thought we were accepting a loan modification without a partial claim, and when we signed the paperwork for the second partial claim in XXXX of XXXX we were told by a representative of our lender that it was some paperwork needed for the first partial claim we got back in XX/XX/XXXX, not an entirely new partial claim. Because of the partial claims, our house is worth less than what we owe on it, and we attempted to pursue a short sale of the property however because the partial claims were through FHA rather than with Bell Bank we were unable to do a short sale. We are now looking at foreclosure being we can no longer afford the house and with two liens/claims on the house we can not make a profit, break even or do a short sale. I am also including a communication with Bell Bank as we had reached out to them prior to accepting an offer on our house as we were unsure fully what we owed on the house and wanted clarification. As you will see in the email we were told we owe nothing other than the mortgage balance on the house which is {$140000.00}, we were also told this in phone conversation with a rep with our lender. This was highly inaccurate information they gave us which led us to taking an offer on the house that fell short of what we actually owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and TransUnion to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, TransUnion, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, TransUnion, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and TransUnion repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and TransUnion not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and TransUnion, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and TransUnion.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was denied credit by XXXX XXXXXXXX XXXX due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked Equifax, XXXX, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to Equifax, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for Equifax, XXXX, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to Equifax, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as Equifax, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of Equifax, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, Experian, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, XXXX, and Experian 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and Experian to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, Experian, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, Experian, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, Experian, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by Experian, XXXX, and 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 2023-09-27 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Ok I got my tax refund sent to chime which was like {$45000.00} before taxes ok chime received it and it was put into my account but a couple days after tht chime closed my account I had been with chime for like 9yrs but they closed my account for some apparent reason, well like I said I had my refund check in my chime account like {$28000.00} so they informed me tht they wud be sending me a account closure check for my remaining money left in the account tut was like maybe $ XXXX XXXX dollars ok tht was way in XXXX they informed me tht my check wud reach me in XXXX days and I haven't received not nothin but they telling me tht they mailed the check already well they told me tht they wud be sending me another check then they emailed me again and telling me tht they cud not send me a check but wait I thought they had already sent me a check and I'm not understand why they are trying yo keep my money It was a refund check I emailed them all myrefund information and everything came back with no problems irs clean everything clean and everything was verified this has been a not so good 2mths I'm about to loose e verything I ever owned because of this thts my hard earn money tht I deserve why is chime trying to steal it from me I haven't received not a XXXX from them I have bills and kids send other things igotts take care of why are they doing this to me can someone please help me out please I don't know wat yo do because thts my hard earn money and they are stealing it from me I'm in tears because I trusted them for 9yrs and now all of a sudden they stealing my money please help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  thank you and have a blessed day please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A cease and desist letter was written to Capital One about " alleged Debts '', which Capital One stated in a response letter that they honored. The letter they sent acknowledges they're accpetance of my Cease and Desist request. All communication in regards to the collection of " alleged debts '' shall cease and desist. 
Yet, I received a statement of " alleged debt '' from a billing cycle thats is after they sent acknowledgement of the cease and desist which is a clear violation of the Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had an account with Chime and on XX/XX/2023 there were 3 transactions into my account that I didnt make or approve, actually 2 of 3 transactions and the 2 of biggest ones were even for an actual company. There was a debit at XXXX for {$650.00} USPS XXXX ( fake ) and then the same fake company again debited {$700.00} at XXXX XXXX. There was also another smaller debit at XXXX for {$28.00} from XXXX of which I didnt make. I disputed these charges with Chime and notified me after 2 days and said they had investigated and the dispute was closed and I wouldnt be getting any of my money back. I asked for information on the investigation to no avail, I only received the same information I had given them. I am a disable dialysis patient. I had to borrow money to pay my rent after incurring extra fees. I lost my car insurance. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX ME LLAM y ME DICE QUE SI NO RESUELVO LA XXXX XXXX XXXX EN XXXX XXXX, LA XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I has come to my attention, thaXXXX XXXX XXXX XXXX XXXX has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

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 2023-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mid-Minnesota Management Services, Inc.
State: WA

Complaint narrative:
1. Central Resources is a debt collector who prematurely attempted to collect a debt. 

2. In violation of the FDCPA, Central Resources continued their attempt to collect the debt after receiving a notice to cease and desist. 

3. Central Resources appears to be an unlicensed debt collector in WA state in violation of RCW statutes 19.16.110 and 19.86.020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/AIDVANTAGE - Account Date : XX/XX/XXXX -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Item 11 : - Account Name : XXXX  - Inquiry Date : XX/XX/XXXXXXXX  Fraudulent Other Accounts Other accounts : - Account Name : ACIMA DIGITAL FKA SIMP XXXX Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/XXXX  - Account Date : XX/XX/XXXXXXXX  -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have contacted procollect multiple times via phone call and via electronic requests through the procollect website. they have not provided any information other than the total of my debt i allegedly owe and who filed it. XXXX XXXX XXXX was the company that filed the debt. They did not contact me prior to sending me to collections for the amount they are claiming I owe. In addition I have been contacted approximately XXXX2 times from phone number : XXXX ( XXXX ) XXXX, this occurred between XX/XX/XXXX and XX/XX/XXXX for this debt. Even after telling them I will be disputing it. They told me it was too late to dispute the debt and that they are considering it true and accurate.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/2023 I got my work check deposited into my Chime account in the amount of {$480.00}. I was planning to save my money for a car so I put {$300.00} in my Chime savings account after transferring {$100.00} to my XXXX. On that same night they closed my Savings account and my checking account. Afterwards Chime emailed me that they had agreed to close my account for going against deposit guidelines but would refund me any money I had left on the account balance. I reached out to the chime support services via phone and they said I had to send in documents ( They didn't specify what documents until a month after ) which I did. They stated that my Deposit went against their guidelines and they can't refund me my money which isn't true. I responded If Chime knew my deposit went against their guidelines why would they accept it in the first place, that's sketchy. I've been fighting for my money for over 5 months and still at step 1. I stated to my family lawyer that I was struggling financially due to Chime snatching my money and closing my account. I've even sent my check stubs as proof and they still have a hold on my funds. I've heard others having the same problem but never took it to heed until it happened to me. Now I'm in distraught and disbelief that a company would even do this to someone who was already suffering financially at that time. My lawyer advised me to report it to CFPB before going any further with a legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent HUNTER WARFIELD a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. HUNTER WARFIELD have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from the agency 's records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where access was granted to furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation