vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
My salary was transferred to my Wise bank account on the XX/XX/22, the money is still not available to me. Wise simply says there is a technical error and the team is working on it. No additional information is given no matter how many times I ask. All excuses and reasons are vague. They have not located my salary nor given me any progress updates. It is now the XX/XX/22 and I still don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
My loan is currently being serviced by Citizens One. 

They have the worst customer service Ive ever experienced in my life. Most of their employees are not trained with the knowledge they need in order to provide the answers and services required. Furthermore, I can not understand most of their XXXX based employees. Over and over again I am promised callbacks, and I never get them. 

Long story short, I have a forbearance plan that was recently terminated due to conditions completely out of my control in 100 % at the fault of my loan servicer. 

Without my permission, they changed my mailing address to an address, not even in my same state! And after doing so, they sent me communications regarding my loan/mortgage forbearance plan to that location, with my personal information on it, and never made any other attempts to contact me through any other forms of communication. Then, after not receiving response for meobviously, because I had XXXX knowledge of them attempting to contact me they terminated my forbearance plan back in the middle of XX/XX/2022. I only became aware of this because somebody came by in person and left a letter on my door. Meanwhile, I was trying to get updates on the status of my forbearance plan and I called numerous times, attempting to leave messages with the rep assigned to my forbearance plan. Never has she ever been available nor would I ever get a callback from her even the customer service would promise it. I am always left in the dark. And I am lied to, and I have no ability to speak to anyone over the phone who is able to provide any assistance. On the loan solution center website, there is XXXX information updated about my forbearance plan having been terminated. 

The letter that was left on my door, says that I have a right to an in person interview to discuss options for the current status of my loan. I have called many times and spoken with customer service as well as the loss mitigation teams, at citizens one bank ; regardless, everyone I have spoken to is either without the proper knowledge and training to help me, or promises a call back, and they never do. 

I am completely unable to get the in person interview scheduled, as I am told him that letter that I have the right to have. Also, and most importantly, in effect, I am unable to get my forbearance plan reinstated. 

The overall issue is that my forbearance plan was terminated because citizens, one bank changed my mailing address without my permission, and even after I requested it be changed back to my current address, they failed to do so multiple times, which they admit to. Their incompetence and inability to simply schedule an interview has me stuck in limbo regarding my current living situation, as well as my loan, itself. 

Please assist! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2022-12-09 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: OneMain Finance Corporation
State: MI

Complaint narrative:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with ONE MAIN FINANCIAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with ONE MAIN FINANCIAL for reviewing of any sort. 
ONE MAIN FINANCIAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capital has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX  Dates : XXXX Amount : {$16000.00} I have contacted the Medical Facility who confirmed this was the XXXX XXXX Debt and they sent me all supporting documentation. 

I contacted a attorney whom is going to file a suit if I am unable to get this resolved. 

I have also contacted all 3 credit bureaus by phone and online and have disputed this twice now. 
My supporting Documentation cleary shows the XXXX XXXX debt and responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OK

Complaint narrative:
I sent this to cash app I just copied and pasted it And I need to appeal the decision that I authorizedthe transaction for {$250.00} because I did not authorize it nor did my husband $ XXXX XXXX XXXX Because my husband did not authorize it neither did I we do NOT KNOW WHO OR WHO THIS BUSINESS IS that's y we believe an error occurred because we r the only 2 with access to the tablet, besides the one that got stolen {$250.00} to XXXX but when I first did it they had a different name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I bought a XXXX XXXX  and payments were OK at first, and then my daughter moved in from college and financial burdens over took us and it became hard to pay my car payments. I keep making payments occasionally when I can but Im really behind I need help. Last payment made was {$100.00} on XX/XX/2022 Remaining balance is {$1600.00} Payments are {$200.00} monthly.

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 2022-12-09 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.

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 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CORELOGIC INC
State: MI

Complaint narrative:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with CREDCO As well as I do not have an account as defined under 15 USC 16939 ( a ) with CREDCO for reviewing of any sort. 
CREDCO is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I purchase a XXXX XXXX-year membership on XX/XX/2022, and I cancel the XXXX  membership on XX/XX/2022. XXXX stated that the unused membership will be prorated refunded, and that's the two charges of {$15.00} refunded showing on XX/XX/2022. However, AMEX recharge the XXXX {$15.00} on my account on XX/XX/XXXX. This is not right, since I get no refund from XXXX at all. I called AMEX and the agent said he will file a case to get both charges refunded, but until now I don't see any refund of the XXXX {$15.00} on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-12-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted 2 disputes to Experian in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with XXXX. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. Experian refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for XXXX. On XX/XX/XXXX XXXX responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my Experain and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that XXXX send to the CFPB. Obviously XXXX lied again did not correct there mistake even though they said they did. Experian wont let me dispute the XXXX account as they say I have already disputed it. I am also attaching a copy of my Experian credit report dated today XXXX which clearly shows the inaccurate balance for my XXXX account. Please CFPB look into these violations of 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 explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
They call me at least XXXX times a day. When I tell them I am not allowed to answer calls on my phone at work, they tell me they can not stop the calls because they put my number into an auto dialer. They have even called me on hollidays. The calls start at XXXX XXXX and go until XXXX XXXX. They have even said that consumer laws do not protect the consumer, but the creditor. Then they started calling my wife and even my dad who lives in another state, however, my number is the only number on the account.

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 2022-12-09 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: MD

Complaint narrative:
In 2019 I requested assistance to reduce my payments due to loss of income. XXXX stated they have no programs for clients not in default. Since that time I have not recovered income to afford the late fees and the negative late payment recordings on my credit file. 

My privacy has been violated due to XXXX XXXX XXXX reporting my payments late and reducing my credit score.

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 2022-12-09 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2022-12-09 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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