vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
On XX/XX/22 I received a request for payment from TRS Recovery Services XXXX Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX no account found with my name. TeleCheck Services verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX , to investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX Inc. and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by TeleCheck Services, XXXX ( XXXX ) XXXX and XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but Capital One has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a case in Ohio from 2016 which when you look up in the court system it shows the case dismissed. Just recently when while I have been trying to get myself back on track notice that upon signing up with one of the credit bureau 's that my judgement for my case is totally different from my accurate information located in the court systems and they have been playing with my information for so long from health record to court records XXXX  records and housing records. They got my life all over the place. Yes true I want the information fixed but I am seeking payment for all the damages and pain and suffering I went through. I have all supporting documentation for I am seeking help immediately these people have been in my bank accounts prepaid bank accounts and everything.

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 2022-06-18 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: LA

Complaint narrative:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to transfer money from my XXXX citibank account to a XXXX based currency conversion company for the past week and at this point, I have no hope. 

On Wednesday, XXXX of XXXX, I used the Citibank website to transfer money for the first time. On Thursday, I received an email saying that the bank needed more information. I called up the customer service number. The first three times I tried to call, the line disconnected after waiting 10,15, and 30 minutes. I called back later in the evening ( XXXX time ) and spent 1 hour on the phone answering security questions. The line was extremely bad and I could barely hear the woman. At the end of the process, she said the transfer would go through. The next morning, I received an email telling me the transfer had been cancelled. 

I called back yesterday ( XXXX of XXXX ) and spent another hour on the phone with a women from the fraud team who advised me to place a new transfer and call the next day to answer security questions. I made the transfer and then I called up this afternoon ( XXXX of XXXX ), as instructed. I spent another hour on the phone answering security questions. At the end of this conversation, the woman said that the transfer would go out today. Five minutes after hanging up, I received an email telling me the transfer had been cancelled and the funds returned to my account. 

I then called back customer service and asked to speak to a supervisor. I was told the supervisor would call me back in twenty minutes. After forty minutes had passed, I called customer service and once asked for a supervisor. After spending another 10 minutes answering security questions, the woman said she was transferring me to an 'associate '. I have now been on hold for over forty five minutes.

I just want to make a wire transfer and I do not understand how a company can waste someone's time like this. Please fix your procedure and let me transfer my money. This is making me want to switch banks. Many thanks.

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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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
Consumer complaint received 2022-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Thank you for the opportunity to submit this complaint. Grain Technology extended a loan/line of credit to me in 2020. I have faithfully paid every month. I have even come close to paying it off and drew down on my money. The money has always been automatically taken from my checking account. 

Grain has no way for customers to reach customer service, ever. They NEVER respond to emails timely, if at all. It generally takes 2-3 months to respond to an inquiry, again, if they even respond at all. I few months ago, they sent an email about verifying your account, I went to verify and I was locked out of my account. I have no way of viewing my account number, my payment history, my balance, or pending transactions. 

I returned to my account weeks later and it required me to verify. It was a very tedious process, unlike any other credit card company I use. I do not use sub prime companies. I submitted my social security card, drivers license front and back as requested. It indicated it would take 5 business days. It has been minimally 15 business days now. I have emailed them at least three times since with absolutely no response. They, on their XXXX page are choosing who they respond to. They are lying explaining because they are short staffed it will take 10 business days, and that is not true. As well they are saying they are being required FEDERALLY to verify identities, but they are still taking money from UNVERIFIED ACCOUNTS! HOW IS THIS LEGAL AT ALL? 

I have no access at all to the line of credit WE entered into and I have a right to have access AND draw down from based on the credit terms. It is very CLEAR Grain Technology is DEFRAUDING people, and I am seeking legal counsel to see how I can not be responsible. If I stop the auto payment at my bank it adversely impacts my credit score, yet I have no idea what I owe, and can not access my account. THEY NEED TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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
Consumer complaint received 2022-06-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed this address as incorrect to Transunion multiple time to no avail. 

Incorrect Address : XXXX XXXX XXXX XXXX TX XXXX My correct and current address : XXXX XXXX XXXX, XXXX TX, 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 2022-06-18 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: NY

Complaint narrative:
In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I inherited this by my grandfather, the company is Caliber home loans. I am currently behind in my mortgage payments due to covid 19 and have denied every option I have chosen to being my mortgage current besides paying the amount XXXX in full by XXXX XXXX to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2022 My husband and I received an email from our joint Capital One Bank, indicating that they are immediately closing our checking and savings account due to inconsistant activity, with no other explanations. They sent the email addressing it only to my husband, letting him know that he is allowed to open a new account, but his wife is not. 

Do you know how that makes me feel? Like I did something wrong? My husband and I have been married for over 30 years and we always had a joint checking account. I took care of all the bills, the kids and cooking and cleaning. The blindsided us with this because there was nothing wrong with our account. I am currently a XXXX XXXX, and my husband is a XXXX XXXXXXXX, who has a direct deposit every other Tuesday of {$1700.00} or more. by them closing our account they put a hardship on us, where we can't open another bank account anywhere. We have a capital one credit card that we set up with automatic payments that was rejected, and his direct deposit didn't go thru as well. now I can't pay my bills and we have no money because the deposit got sent back. 
There was nothing wrong with our account I want them to pay for this. They wuill not give me an explanation to why and they put something in our records that lets other banks know that we can't open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received a delinquent tax notification from my county that my taxes were not paid. Ally Bank asked me to send them a copy, I did so and they said they would make payment and that I wouldn't be liable for the penalty. I see that my tax payment was deducted from my account on XX/XX/2022, but as of today XX/XX/2022, it has not been credited by XXXX XXXX, CA. I spoke to the county last week and they said that they do not have any record of the payment. I have asked Ally to send me a transaction ID or some other proof of the transfer to see if there was some error in the account numbers or something but they keep responding by email that they have made payment and I need to follow-up with the county. I have been trying to get this resolved for 2 weeks now and they are not acknowledging there is a problem.

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 2022-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: NE

Complaint narrative:
I was notified today XX/XX/XXXX that I was sent to collections from an agency in XXXX Texas. I canceled and paid off all services in XXXX when I moved XX/XX/XXXX so there are no debts I owe. I was not notified via email, phone, or mail about this alleged debt and do not know where it is from.

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