vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I have requested numerous of times the accounting ledger to verify this debt for years now. I never received a debt validation letter either. I have sent certified & registered mail plus an affidavit of all my rights that have been violated under the FDCP Act. I am a natural person living in the land and Im not belligerent. I constantly receive email from Tide Water Motor Finance offering a decrease in amount for a debt that is already charged off. They are also reporting on my consumer report monthly invalid information. I do not have the original contract and I cant get a response from the company. I do believe I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am reaching out in regards of the complaint that I have. I was in the a processing of purchasing a home through BMO Harris Bank. XXXX XXXX who was my lender would approve my application and I give her everything she asked for then she would turn around and decline my FHA application. XXXX done this to me three times. It got to the point that I went inside the branch to file a complaint and requested to speak to her manager regarding this matter. The supervisor of XXXX XXXX got back with me until months later. So I applied again and XXXX approved my loan application again. At this point I was very close to closing and didnt want anything to happen. XXXX went from telling me I need XXXX, XXXX to XXXX at closing for my closing cost. I went back up to the branch at speak to XXXX and the branch manager at BMO Harris bank requesting for her supervisor to please take a look at my paperwork because it just wasnt sitting right with me. XXXX and the branch manager was really trying their hardest to help me with my mortgage loan. The manager finally got back to me in late XXXX of XXXX I was suppose to close on my home that XX/XX/XXXX. Two days before my closing date XXXX XXXX once again declined my loan application. I felt like I was being targeted by her because of my race. Her supervisor XXXX XXXX explained to me that my loan application was going to be declined regardless because she done my paperwork wrong. So at this point the guy that was selling the home no longer wanted to wait on BMO Harris and he felt like that BMO was also discriminating against me. Unfortunately someone purchased the home now. XXXX XXXX told me that she would have someone else help me with my loan but to look for another home. I didnt want another home, I wanted that home, the seller took his house off market for almost a year because he was determine to give me the home for myself and children. But he no longer wanted to deal with BMO Harris. I feel like all of this could have be avoided if XXXX would have stepped in when I requested for her to. When I reached out to XXXX to asked why my application was denied again she ignored me. I felt like this was all a game to them and I was taking as an joke. I even reached out to BMO Harris myself requesting to file an complaint and to speak to XXXX. No one from that bank ever followed back up with me regarding this issue. I was treated unfairly. I also work at a bank and I never done a client how BMO Harris done 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 2022-10-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want theses account deleted : XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  Acct # XXXX XXXX, XXXX and Experian was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX bank XXXX is reporting a 30 day late payment for XX/XX/XXXX and XXXX and Experian are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX XXXX and Experian is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed XXXX and XXXX is reporting {$1300.00} and Experian is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-12 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: Experian Information Solutions Inc.
State: TX

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in 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 2022-10-12 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: WA

Complaint narrative:
The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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 XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX 1921, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IT'S BEEN MORE THAN 30 DAYS AND STILL NO UPDATE TO MY CREDIT REPORTING. PLEASE SEE THE ATTACHED DOCUMENT ; 2ND TO LAST PARAGRAPH. PLEASE UPDATE ASAP.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo told me there was an issue with my check, and they deposited my check of XXXX XXXX and did not return the funds to me after they closed my account. 

They also didnt provide proof that the funds were returned to bank issuing the check.

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 2022-10-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX XXXX checked my credit report and found many discrepancy with the account listed under Portfolio Recovery associates and proof and validation was requested of the alleged debt i don't recognize. On XX/XX/2021 they send a letter claiming to validate the debt, which they never sent proof!! This account has negatively impacted my credit report with all 3 credit bureaus, This account is listed as past due and in collections. how us this possible. I asked for the representative who verified this debt and or to send me documents on how they varied alleged debt. They never sent documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2022, a person by the name of XXXX XXXX created a XXXX account with her bank ( Discover Bank ). She illegally utilized my personal email address ( XXXX ) to set up that account. I do not know this person, nor did I give her permission to set up a XXXX account using my email address. She then fraudulently sent money, via XXXX, to herself using my email address. That money was deposited into her bank account with Discover Bank. I do not have a bank account with Discover Bank, nor did I send money to this person. She sent {$1800.00} to the bank account she has with Discover. I have tried to dispute this with my bank, XXXX, but they are refusing to provide any assistance. Even though I have sent proof of the email I received from Discover Bank proving someone illegally set up an account with them, using my email address. The person in the email name is XXXX XXXX. I have tried to contact Discover Bank but since I do not have a bank account with them, they advised it was only so much information they can provide or do to help me. My rights as a consumer were violated with the EFTA and Regulation E. Discover 's banking customer, XXXX XXXX, illegally and with no authorization set up a XXXX account with Discover Bank using my personal email address ( XXXX ) on XX/XX/2022 and was fraudulently sending and receiving money via XXXX. I was scammed out of {$1800.00} by their customer, and want to be reimbursed as I did not authorize this transaction nor do I know this customer using my email address for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXXEquifax/XXXX XXXX XXXXXXXX XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXX/Equifax/XXXX XXXX XXXX XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof.

Company response to consumer: Closed with explanation