vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Its Credit Karma .On XX/XX/XXXX my phone was stolen out of my vehicle. I made multiple attempts to disconnect service however its in my dads name and he was on a cruise. I also made multiple failed attempts to erase phone and as well as lock it but didnt have correct password.. However later that day I had left to XXXX. I returned to XXXX on XX/XX/XXXX and that is the same day my physical card was activated by myself. The very first transaction I made was for {$83.00}. I used my card a couple times not much became I was saving to put my son whom I lost in XXXX of XXXX in his finial resting place at the cemetery. On XX/XX/XXXX I attempted a transaction and it was declined due to insufficient funds. I called the bank and my account was drained of everything. I was also told that it was used on a virtual credit karma card. Thats when I realized it had to be my XXXX XXXX. I then filed a claim and yes I stated my PIN was compromised. I asked for a number or email so I could submit my police report and my flight tickets showing I wasnt even in the state. I was told if they needed anything they would email me. Never received an email requesting documentation. Four days later my claim was denied. I called and appealed the decision and found out that the rep included a transactions that I made with my physical card that I am not disputing. However again it was denied for the reason of being authorized. I opened the claim again and it was denied for not saying my pin was compromised. I calked back and reopened it again and was told it was denied because I made transactions after the date Im claiming it was stolen. I have requested all documents pertaining to my claim that was used to deny my claim. I asked for copy if transactions I disputed to confirm and monthly statements. I havent received anything. I then emailed all my proof plane ticks, police reports, written statement and I also explained Im not disputing my physical card transactions only the virtual card transactions those are the only ones I didnt authorize. They havent helped me at all. I cant speak to anyone. I asked for a manger to contact me and nothing no documents. And they keep denying my claim and its legit. They also closed my account so XXXX cant even look on my online banking. They are refusing to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I been doin business with self leder for years and iam still doin business with them because dis is to re building ur credit it brought my credit a long way frm were it user too be at but still have like 4 late payments dats holding me back I got those because I was trying to build credit why I was dealing with XXXX also I got credit card with them and last year credit builder acct I paid my acct off and full and they give me 25 % of da money and they said they will send da other 75 % to da credit card acct wish is charged off rite now they never apply da balance too dis account now da card is charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
I am appalled by the egregious conduct exhibited by Eastern Account Systems. This organization has admitted to a Federal Agency on XX/XX/year> that they knowingly, willingly and intentionally violated the codified rules of the FDCPA by failing to validate the debt before reporting it to the credit reporting agencies. 

Despite a clear cease and desist order, they have also continued to harass me with calls. 

Moreover and most egregious of all, they have made no effort to remove the erroneous items from all three credit bureaus. These blatant admissions make Eastern Account Systems a XXXX Influenced and XXXX XXXX and should be prosecuted for the same. 

I have prepared litigation against this corrupt organization seeking renumeration for each violation of the FDCPA. I strongly recommend that CFPB immediately open a criminal investigation for the same.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I can't log in without a 2 step verification I did not sign up for a 2 step yet they are making me do this 2 step.

I currently have a complaint against them which is open.

I want to add to it but I don't know how, I just now tried to log in but couldn't because of the 2 step. 
Here is my case # which is open XXXX Please add this additional complaint to the open case. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to dispute off the following negative accounts on my credit report. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$5300.00} 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 non-monetary relief
Consumer complaint received 2024-06-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to dispute off the following negative accounts on my credit report. 

XXXXXXXX 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 XXXXXX/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 2024-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XXXX XXXX XXXX I called the Transworld Systems Inc. to ask them to send me a statement that shows that I pay them XXXX XXXX a month. So when I called to check to see if they had mailed it, they told me that they mailed it out on the XXXX XXXX XXXX. So I waited a few days and called back, then they told me that they mailed it out on the XXXX and it would take 15 days for me to get it. I asked why does it take 15 days, they gave me a poor reason. They said that the department that takes cares takes a little time. I asked why they couldn't just email it to me, they said they couldn't do that because of personal information. I told them that I really needed the information for business reason, even let them talk with the company that I need the information for. It is now XX/XX/XXXX, and I don't have that letter yet. It is well over 15 days. This company for years have told me that they won't send me anything that shows I am paying them. They keep telling me to use my bank statements as proof. I think every company should be able to provide paper statements or email about where my money is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX Bal {$5100.00} XXXX ( CLOSED ) # XXXX Bal {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX Bal {$5700.00} XXXX ( CLOSED ) # XXXX Bal {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-02 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALLY FINANCIAL 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

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 2024-06-02 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX CONSUMER PORTFOLIO SVC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
For the past XXXX months, I have been receiving and taking calls from Source Receivable Management. I notify the representative each time that this is a false delinquency and ask to resolve the issue. They ask for my home address to send me a form to fill out and a letter to remove the false account from XXXX. However, I have never received any form or instructions to initiate the process. I made several attempts to contact XXXX customer service to resolve the issue, but they always referred me to the collection agency. 

The amount is {$200.00} from the original creditor, XXXX XXXX XXXX XXXX and is now with the collection agency, Source Receivable Management. 

All of my attempts have been disregarded by XXXX, and I have stopped taking calls from the collection agency because they won't provide written communication to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX, XXXX  XXXX account # XXXX and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX, XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, and XXXXXXXX XXXX XXXX account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
The company, PRMI, sent me their annual XXXX insurance update at the end of XXXX. I immediately asked our XXXX to fax the information to the number on the letter making sure the loan number was included and she did it on XX/XX/2024. At the end of XXXX, I received another from the company saying that I had to pay for XXXX XXXXnsurance since proof of such had not been faxed. I checked with our XXXX who confirmed the fax had been sent ( see attached ). 

Just to be sure, I immediately uploaded the same information to the website on the second letter on XX/XX/2024 and called PRMI XXXX on XX/XX/2024 and spoke with XXXX who confirmed proof of XXXX  insurance was received. I then asked XXXX if they had received this document at an earlier date and she confirmed they had received it on XX/XX/2024 as the XXXX said/did! 

So why was PRMI sending me a letter, nearly a month after receiving the proof of flood insurance saying I would need to pay insurance since they had not yet received proof of insurance when they actually had! XXXX said they were " slow '' in processing the information. Well, if that is the case, then they should wait before they send threatening letters out, shouldn't they? 

This is a type of of harassment, frankly. And it happened last year and the year before. When are they going to fix their processes : either be faster in information processing or do not harass individuals until they process what was received. Simple. 

PRMI does not care that I, as a XXXX XXXX, only have XXXX minutes of lunch, and have, year after year, to stop everything, call and check with the XXXX and verify things, send it myself, when they already had the information! This is unreal!! 

I hope CFPB will fine this company, PRMI, for undue, repeated, harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX XXXX {$5100.00} XXXX ( CLOSED ) # XXXX XXXX {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX XXXX {$5700.00} XXXX ( CLOSED ) # XXXX XXXX {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX XXXX {$5100.00} XXXX ( CLOSED ) # XXXX XXXX {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX XXXX {$5700.00} XXXX ( CLOSED ) # XXXX XXXX {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, 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 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Upon signing a contract with XXXX XXXX in XXXX, XXXX, I moved and requested them to wait until a permanent address was established. Unfortunately, this led to several months of inconvenience and 'standby ' payments. I finally established a permanent address in XXXX, La. 

I discovered that no channels I prescribed were available in the area, including XXXX and the primary channels. 

I called them, and they said they understood ; I had been a long-term customer and agreed to cancel the contract. 

About two years later, this collection agency placed derogatory marks, and they have continued to cause me grievous harm. I am seeking your assistance in this matter.

Company response to consumer: Closed with non-monetary relief