vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
Company contacted me on multiple occasions via phone. They never sent me any letters nor did they leave any voicemails. According to my credit report the collection was placed in XX/XX/2022 and I wasnt notified until XXXX about the account being placed in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
I received a letter on XX/XX/23 stating I had a right to cure default payments and that the last date of payment was XXXX/XXXX/23 for my friends co-signed vehicle. He made his payments on time which reflects in the screenshots and shows he has not past due payments but my credit score dropped XXXX points from this. I would like it resolved and fixed if possible, I personally just paid off my car and would like to reap the benefits of an accurate credit report, especially because my boyfriend and I are trying to buy a house in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-16 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: FL

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have mailed out 2 request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time

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 2023-02-16 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: FL

Complaint narrative:
I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: FL

Complaint narrative:
I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time

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 2023-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 6th 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX 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 2023-02-16 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX ( financial aid ) dollars was deposited to my account at citi bank which is in the process Of being closed i have called many times to have those funds released to me and they are denying and not being understanding that those funds are needed immediately to cover for school supplies which are needed by the end of this week or else i will get dropped from every class

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 2023-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Capital Accounts called my number asking for a XXXX XXXX and upon already having gone through this with various other companies, I asked to speak to a supervisor or manager and requested to know where and through what skip trace are they acquiring my phone number for this person and I was told that they can't reveal the skip trace company and in asking for someone higher, I was told they aren't available. This has been a continued issue with collection agencies, including Capital Accounts that depend on inaccurate information from skip trace companies and then disturb my phone in the evening time. I want to know how and where they received my number and through what skip trace company so that I can stop this endless problem. 
The old " remove the number '' is no longer viable as far as I am concerned. I believe I have the right to know how they are acquiring my number so that I can hold the proper company liable for these issues- and if not, I can only assume this company wishes to take responsibility for TCPA Violations, as I have had my number for more than 10 years and it is on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They are not approving the applications I have made to have an account with American Express and they have must to approve them because I am a XXXX  and I have to be well to be able to XXXX XXXX XXXX XXXX to other people I must have my XXXX and I already sent proof of my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the XXXX and XXXX XXXX as XXXX of the XXXX  XXXX XXXX XXXX. My credit report doesn't indicate that I have an employment. I have been reporting payroll to federal government and California state. 

The credit reporting must indicate that I am self employed and working.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime closed my checking account on XX/XX/2023 with no warning and no explanation. They sent an email directing me to their deposit agreement terms for me to " look up '' a possible reason for the account closure but there was nothing I did to violate their deposit agreement. The day they closed my account was the same day I received my deposit from my employer, the UNITED STATES POSTAL SERVICE. Despite my attempts to get an answer, chime has refused to explain why my account was closed and its caused me to have NO ACCESS to my entire paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS ( servicer ) and XXXX XXXX ( investor ) refuse to review the mortgage for any workout options. Please see attached Qualified Written Request, reply accurately and in full, and please review the homeowner for a loan modification and/or repayment plan. A complete assistance request package to follow within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
I have had many credit checks and monitoring and netcredit keeps saying they can not verify my identity and can not elaborate but i checked with the companies they use and they all reflect what I put on the loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank is charging me XXXX for 3 duplicate checks Made on XX/XX/2022. I contacted wellsfargo hoping they would solve my concern but they treated me badly and blaming me for those transactions. At this day my account is XXXX And I dont want to see my record affected for this transactions

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Respected Sir/Madam I do have an personal bank account in XXXX XXXX XXXX XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in Capital One bank. Since Capital one account is a new account and had no money in that so to save money in my new capital one personal bank account I had made a XXXX transaction of amount {$3500.00} from my XXXX XXXX account to Capital one on XX/XX/XXXX. I have received an email from XXXX XXXX on XXXX XXXX saying that {$3500.00} has been deposited into my capital one bank account. But when I checked my capital one bank account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my capital one bank account. I have immediately called XXXXXXXX XXXX and Capital one bank after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those two bank representative responded properly. So immediately I booked an appointment to meet my XXXX XXXX XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to capital one bank account.I have shown XXXX XXXX XXXXXXXX my capital bank account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my capital one account he also recognized that amount is not deposited into my account. Even I have raised dispute with XXXXXXXX XXXX about Transaction made but that dispute has been canceled by XXXXXXXX XXXX and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into capital one bank account so that they can not make any dispute. Even When I called capital bank none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already 3 months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
This is the second time that I have to submit this complaint regarding this matter. 

On XX/XX/XXXX got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/XXXX and they still have not posted it on my account. This past due amount was already resolved. I called Florida HAF Department regarding XXXX XXXX payment and they said that payment was sent along with the last due amount. 

I spoke with an agent today at FBC Mortgage and they said that they only got the past due payment which was posted after I submitted the first complaint with the CFPB. Every time I called they said no, that they dont have that payment. FBC has my HAF Approval letter stating amounts and months worth of payments approved. I dont understand how this could be possible. Again, we are on XX/XX/XXXX and they still havent posted my XXXX payment. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: FL

Complaint narrative:
I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed

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