vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
XXXX XXXX ( XXXX XXXX  ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!

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 2022-09-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX ( XXXXXXXX XXXX  ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
On XX/XX/2022, I made an ATM withdrawal of XXXX XXXXXXXX XXXX  and was charged another XXXX XXXX XXXX in fees for a total transaction of XXXX XXXXXXXX XXXX. I approved this transaction and received the XXXX XXXX XXXX in cash from the ATM machine at the XXXX bank in XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. On XX/XX/2022, after returning to my home in XXXX, NM, I discovered that the Bank of Albuquerque had withdrawn XXXX U.S. dollars. The currency conversion was not made and the amount was nearly XXXX times more than I received as the exchange rate is around XXXX XXXX XXXX  to XXXX U.S. XXXX  I contacted Bank of Albuquerque immediately on XX/XX/2022, about the error and was advised to file a fraud dispute, which I did. This dispute was denied supposedly because I had used my PIN to approve the transaction. However, I had told the XXXX representative from the very beginning that I had completed an ATM transaction using my debit card and PIN. This was never a question of whether my PIN was used. I never said I didn't use my PIN, only that the currency conversion hadn't been done and that my transaction was in XXXXXXXX XXXX not U.S. dollars. I contacted XXXX XXXX at the XXXX XXXX XXXX Bank of Albuquerque location and he said he would escalate the issue. I waited three weeks and there was still no resolution, even after he escalated to his supervisor who never followed up with me, not once. I contacted the Bank of Albuquerque XXXX and after multiple calls and discussions, I was advised that there was no dispute process for this unique issue of failure to perform a currency conversion in an international ATM transaction. Manager XXXX with XXXX told me that my only other option was to file a short dispense dispute in order to get more information from the XXXX bank that owns the ATM. So I approved this second dispute. On XX/XX/2022, I called XXXX to get an update on the second dispute process and was told that this second dispute had also been denied. I was provided a copy of a document from XXXX in XXXX showing that the transaction was as I had said, XXXX XXXX XXXX, plus XXXX XXXXXXXX XXXX  in fees. However, because the XXXX banking system uses the dollar sign to indicate XXXXXXXX XXXX, and USD to indicate U.S. dollars, the Bank of Albuquerque staff said that I had received dollars and not XXXX  and told me there was nothing that they could do to rectify the situation. I explained this repeatedly to them that XXXX uses the dollar sign to indicate XXXX XXXX, not U.S. dollars, but this information was ignored and I was told there was " nothing else they could do. '' I have been offered 50 % of the money that was withdrawn in error by Bank of Albuquerque, but I have declined because it is still a significantly large amount of money compared to the original transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I canceled my insurance policy online early bc my car was no longer in commission. The website was down and so I called to verify it was canceled a few days later. The representative adjusted the cancelation to be prior to the bill due date due to the website issues and assured me I owed no further amount due. Now my credit score has decreased by XXXX POINTS for this unfair practice without ever receiving any collections attempts or so much as a phone call from XXXX. I have worked so hard to restore my credit from the XXXX for this non sense to erase at least a year of hard work and sheer determination to do better!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have requested Transunion to investigate an alleged account that XXXX is reporting. The first letter was XX/XX/2022, Received no response. Followed up with another letter XX/XX/2022 still received no response. 
Its been over 4 months that they have neglected to even start an investigation, yet their notes state consumer disputes account meets FCRA. Ive mailed two letters to validate this account to XXXX, they haven't responded either. Ive included all letters and a copy of my credit report.

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 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
On XX/XX/2022, I filed a XXXX XXXX XXXX complaint - case # XXXX against : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX Va XXXX The amount of the debt I am alleged to owe is in the amount of {$670.00}, however, the proof was provided in my XXXX XXXX XXXX complaint this amount account had been paid to the original creditor and reported to XXXX Credit Bureau as paid on my credit file. In addition, I inform XXXX XXXX XXXX of this and provided the same details as I provided to the XXXX  showing that my account was paid in full with the original creditor but they continue to report and harass me via my email- which I never gave to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Self Financial Inc.
State: CO

Complaint narrative:
Self Financial violated my rights in accordance to the Fair Credit Reporting Act ( Account # XXXX ). - 15 U.S.C. 1681 section 602 A States that I have a right to privacy - 15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. Information on my report varies between the 3 bureaus. I spoke to their chat support and they agreed to remove the 30 day late payment from my credit report for all 3 bureaus. It's still on my report! I will be attaching the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from AD Astra Dated XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt. 

The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits. 
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
Cross referencing of information between the servicer communications and XXXX  assignment list donot match. Customer therefore will like to get a copy of all ACCOUNT STATEMENTS and SETTLEMENT OPTIONS OFFERS made starting from XX/XX/XXXX until the loan charge off date of XX/XX/XXXX. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus September 9, 2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}XXXX XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

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 2022-09-23 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

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 2022-09-23 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5900.00}

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Equifax is reporting on this account. 

My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Equifax in XX/XX/2022 and no response, I sent a follow uo at the end of XX/XX/2022 and still no response and no correction to the account. 

The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Equifax is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Equifax is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The payment status on a collection account should state collection/ chargeoff - Equifax is reporting this " LATE 120 DAYS ''. again another FCRA violation. Lastly a collection account should not report any two year history and of course equifax is also reporting a history. 

This is at least 5 violations. Ive included the letters mailed and the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
On XX/XX/2022, consumer applied for an extension of credit via a credit application to acquire property for personal, family, and household use. Consumer completed this application with CARDINAL FINANCIAL COMPANY. On XX/XX/2022, CARDINAL denied consumer 's application for an extension of credit. The ECOA makes it clear that no creditor shall discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under the CCPA. CARDINAL failed to send an adverse action letter to consumer within 30 days of receiving a completed application. On XX/XX/2022 Consumer sent CARDINAL a correspondence to remedy the discrimination and violation, but CARDINAL failed to accept my offer or counter my offer. In my correspondence, CARDINAL declined to compensate me for the discrimination and also failed to address the approval for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity fraud, someone who isn't me has opened up debit accounts under my name. I am unable to establish my own debit account due to others already using my name and SSN to open an account thus now allowing me to claim that account as my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
At first I was with XXXX XXXX XXXX  I filed for a modification with XXXX then they transferred me to Fay Servicing I filed a modification with them no response they said I needed to change XXXX dates on some forms I did then I filed for bankruptcy and included my mortgage was paying through the bankruptcy came out of bankruptcy tried to reach out to them filed again modification no answer but foreclosure now I have hired XXXX to help no " guarantees '' from them they say

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Experian is reporting on this account. My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Experian in XX/XX/2022 and no response, I sent a follow up at the end of XX/XX/2022 and still no response and no correction to the account. The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Experian is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Experian is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The account type is listed as " unknown-credit extension or collection '' - This means is unvalidated and the company who is reporting is issuing inaccurate and incomplete information, Lastly a collection account should not report any two year history and of course experian is also reporting a history. This is at least 5 violations. Ive included the letters mailed and the credit report

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