vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Never received notice of this debt, I have never had an account with XXXX or owned or rented my own home so would have never had a reason to have XXXX. I do not believe this debt to be mine and was falsely reported to collections without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
They ( Navy Federal ) are refusing to call the verification number on the check that came from XXXX. They claim they can't verify it that way. I tried giving them the other number XXXX gave me and they won't use it. XXXX also wont call Navy Federal to verify it. The check is from the State of Louisiana U.S. Treasury Emergency Rental. This is for my rent and If i don't have it we will be evicted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
An account was opened by my mother with my information and the account was closed in 2016, over 7 years ago. I have received a letter regarding this account. I have verified through my states XXXX XXXXl that the Statute of Limitations of 7 years through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. This account has been discharged and resolved. Due to this account, I had to call the credit bureau because the wrong social security number was being reported to my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am writing to you because I am deeply concerned about my money after the maturity of my certificate of deposit. 

I was expecting to receive a check in the mail from CitiBank per my account that matured in last week of XXXX XXXX ; I never received this check. So, in accordance with Citis policies, I contacted the support lines in hopes of finally receiving my money. After nearly a dozen calls and more than a month of waiting, my issue has still not yet been resolved. At this point, I have no semblance as to the whereabouts of my assets. 

Citis policies and practices have withheld my rightful money for an extended period of time. Their employees on the support line, and their supervisors, and executive response team have failed countless times to empathize with my situation, not given me a clear indication as to when I can expect a resolution, masked the status of my open cases, and have even failed to send me a clear resolution timeline. 

After every call I am left feeling distraught, anxious, and outright disrespected. Please, outline to me what I can do to collect my assets that have wrongfully been withheld from me, because Citis policies and employees have let me down so far. 

Additional Details : Citi support case numbers : XXXX, XXXX Citi executive support case XXXX : XXXX, XXXX Some of the record details from the calls exchanged : XXXX XXXX XXXX PST [ 19 minutes ] XXXX XXXXXXXX XXXX  PST [ 11 minutes ] XX/XX/XXXX XXXXXXXX XXXX  PST [ 8 minutes ] XX/XX/XXXX XXXX XXXX PST [ 2 minutes ] XX/XX/XXXX XXXXXXXX XXXX CET [ 12 minutes ] XX/XX/XXXX XXXX XXXX CET [ 26 minutes ] XX/XX/XXXX XXXXXXXX XXXX  CET [ 51 minutes ] XX/XX/XXXX XXXX XXXX CET [ 28 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 17 minutes ] XX/XX/XXXX XXXX XXXX PST [ 35 minutes ] XX/XX/XXXX XXXX XXXX PST [ 15 minutes ] XX/XX/XXXX XXXX XXXX PST [ 7 minutes ] XX/XX/XXXX XXXX XXXX  PST [ 20 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 2 minutes ] Other communication channels : XXXX chat Chat using Citi portal

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/2022 XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/2022 XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete fraudulent collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX  app made on XX/XX/22. One was for American Express and the other as for XXXX  XXXX. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted numerous documentations showing my current address and employer and name. Yet old information and incorrect names remains on 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX app made on XX/XX/22. One was for XXXX XXXX and the other as for capital one. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2023-04-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Specialized Loan Servicing purchased my loan from XXXX XXXX in XXXX of XXXX I was not aware of this change. In XXXX of XXXX I received a notice from Specialized Loan Servicing ( SLS ) stating that I needed to pay over {$15000.00} to get my loan current or they would foreclose on my home. I contacted SLS and stated that I did not know who they were and asked when they took over my loan. I stated that there was no way that my loan would be that far behind since they purchased it in XX/XX/XXXX. I was told I had not made a payment in over a year. I was told that if I did not pay that amount that I would lose my home. I was capable at the time to make this payment because I had lost my job and withdrawn from my retirement. SLS considered my forebearance as currently owed. I paid this amount which caused a significant financial hardship to me and my family. I was unable to make a payment after that because I was not working yet. It took me some time to recover from this financially and was in a position to begin making payments in XX/XX/XXXX but my Identity was Stolen. This caused an additional hardship for me and my family. I received my tax return with intent to pay the amount I owed, but was told that if I sent my payment that they would send it back. This was before my home was foreclosed on. At no time in XXXX of XXXX was I offered any payment assistance, modifications, or any other actions this lender should have offered me at that time. I am requesting a rescission of my foreclosure immediately in order to address the errors in the servicing of my loan.

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 2023-04-06 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: NC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. Experian is reporting inaccurate information on my credit profile.

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/2021 from XXXX hard inquiry this is not my account someone opened this up fraudulently please remove from credit report please

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 2023-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2021 from XXXX hard inquiry this is not my account someone opened this up fraudulently please remove from credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Grain Technology, Inc.
State: CA

Complaint narrative:
Grain XXXX XXXX is reporting that my status on an account was in a charge off status for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these months the minimum payment has been deducted from my account as it always have. I am unable to reach a person to correct this matter. There is no response to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. XXXX is reporting inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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:
Delete fraudulent collection

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I used to work for BB & T and opened the account the company offered which was a premium account that had requirments or cost $ XXXX a month. since i was an employee, i feel that back in XXXX when i opened it the company steered me to the product. All was fine when I was an employee, all was fine after I left the bank in XXXX of XXXX until I sold my home and started incurring an approximate $ XXXX/mo fee because I had no mortgage and no longer worked there. I feel that part of the off boarding should have been to address this potential impact. We have tried to close the account but the customer support team responds with " you need to come in person to close the account '' even though we moved to an area where I can not readily access a Truist location. ON top of the trapped in the account status, they pull the money out of the account and then charge overdraft fees on top of the monthly account fee.

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 monetary relief
Consumer complaint received 2023-04-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-04-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received letter from Macy 's stating a credit card application was submitted under my name, and Macy 's was unable to approve the application due to address provided on the application does not match address on credit bureau report. Since I did not apply for Macy 's credit card, this letter indicate someone was trying to open a credit card using my name.

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