vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I left 3 messages for a call back regarding this issue. The company, XXXX XXXX XXXX XXXX, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is Capital One and I have loans with Capital One opened much later than the 2006 date XXXX XXXX XXXX claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I have not been able to use their system which we aggreed upon. The website or the app. Neither accepts my paymebts via debit card. This costs me greatly in gas to drive to the store. To get harassed about paying off a debt on time while getting asked if i want to borrow more money. But when i tried to make the payment today ( 2days early ) not unusual. But today i tried to make a call over the phone. After making the original payment due by XX/XX/XXXX of XXXX. XXXX. There was still and outstanding balance of {$20.00} and change due by XX/XX/XXXX. So i paid that. Then there was still {$8.00}. At this point i realized my monthly payments were being misrepresented and the fees theyre charging now arent represented at all. I dont have access to the documentation they say is provided in my account on there website. Nor is there any transaction history. And in the end she claimed she didnt know why it was doing that but she is not responsible for how the system charges. And how it doesnt recognize an early payment even tho it has for over a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MT

Complaint narrative:
Incorrect informationetc

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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Starting XXXX XXXX Bank of America started contacting me about or payments not being paid, I then contacted my wife and it was an error on her part, she was making the payments on line but did not hit process payment so it didn't go to the account. She then made a payment that day for XXXX, then the next day made another payment of XXXX also have confirmation numbers, according to them we were behind two months because XXXX had been paid and they applied it to XXXX? Since then even after she called them and thought it was taken care of they continue to call, my wife even told them that those were late charges and we only owe less than XXXX for a house worth XXXX? This is complete harassment and I have told them that! This has been going on for three weeks, them calling at my place of business and also the attitude they have about this whole thing! Please help I cant take much more of these embarrassing phone calls or a waste of my time! Its not like they are not going to get paid DUH!!! that we be stupid on our part.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball, Tirey & St.John, LLP are charging me a debt of {$1400.00} for an apartment on which I never lived, nor signed a rental contract for. It has been tarnishing my credit since XX/XX/2019, re-aged, and it is still present and negatively affecting my credit score. I have contacted them multiple times via phone and certified mail, they are unable to provide proof of alleged signed documents. Last year I submitted a dispute with each bureau and they have yet to remove it or provide any proof to support its legality. Under the guidelines of the Fair Credit Reporting Act, Kimball, Tirey & St.John, LLP are unlawfully reporting fraudulent information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX XXXX XXXX are Violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
In XX/XX/XXXX, XXXX  XXXX XXXX was serving my federal student loans. At that time, I became eligible for Public Service Loan Forgiveness with 122 of 120 required qualifying payments made and verified by XXXX XXXX XXXX. However, no further action was taken to send my information to the Education Department for discharge of my loans, a process I was told by customer service it would take 30 days for discharge after reaching 120 payments, and that I needed to take no further action. I waiting to hear confirmation that my loans were forgiven and discharged. 

However, in XX/XX/XXXX I learned my loans would be transferred to MOHELA for servicing ( email attached ). I received a welcome email from MOHELA in XX/XX/XXXX ( email attached ) as well as a loan verification document ( document attached ). I continued to wait for forgiveness. 

In the meantime I heard from others who had reached 120+ payments at XXXX XXXXXXXX XXXX that they had not been transferred to MOHELA and that their loans had been discharged. I called MOHELA in XXXX to inquire about the status of my loans. I was told that the XXXX Department needed to review my loans before discharge and to wait 30 days. I called again in XXXX and was told me loans had not been sent yet to the Education Department for review and that it could take 30 days and to call back again, that there would definitely be an update in 30 days. I called again in XXXX and was told to wait 30 days because the Education Department was reviewing my loans. I called in XXXX and was told by loans had never been sent to the Education Department for review and that they would " expedite '' the process for me and to wait 30 days. I called again today, XX/XX/XXXX after hearing no updates. The agent I spoke with today told me that my loans had just been sitting with MOHELA and had not been sent to the Education Department for review, and that I should have been forgiven in XX/XX/XXXX. She advised that because I had already reached 120+ when my loans were transferred to MOHELA XXXX that MOHELA XXXX no further action to process my loans toward PSLF forgiveness once they because my servicing. She told me that she is going to expediate my case ( although I have heard that before ). This time she did give me a case ticket number # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
For MONTHS now I have tried to chat in and call in with Transunion and XXXX. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the XXXX breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both Transunion and XXXX keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! Transunion and XXXX could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.

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 2023-05-02 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:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.

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 2023-05-02 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: LA

Complaint narrative:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago.

My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name.

There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/ so I contacted a collection company called " I.C. SYSTEM, INC " Also Original creditor : XXXX XXXX  immediately to determine what's going on. When I called them, They didn't supply me enough about and keep telling me that how would like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX XXXX so I told them I never had a XXXX XXXXXXXX before and they told me maybe a Internet provider which I've been using Spectrum internet service more than 10 years now with great account status so I would like to make an official statement with my collection item from I.C. SYSTEM, INC which is I strongly believe that this information is incorrect and does not belong to me so I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Lendmark Financial Services and XXXX. 
I had a representative payee, which was paying on for me, then he decided to stop making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX and XXXX. 
I had a representative payee, which was paying on for me, then he decided to stop making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
A while back in XX/XX/XXXX i did a dispute with convergent outsourcing about someone using my identity to get a cell phone. There was a remaining balance of {$620.00} dollars which i disputed ad fraud. XXXX asked me to come back and re investigate when I got a police report. I did that. I wrote a new dispute three months ago in XXXX. sent a police report in XXXX as well as another dispute letter. And in XXXX i sent a demand to comply letter. They have still yet to provide me any written or verbal proof of how they validated the debt. they have sent in my credit report with the same fraudulent inaccurate debt still reporting. XXXX have not given me proof of a wet signature signed by me from sprint or convergent of the person who committed fraud. I told them to stop and take it off or I would seek legal action.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Someone else impersonated my identity and tried to open a checking account with Bank Of America. The account is not opened successfully. I want to report that my SSN and personal information have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: LA

Complaint narrative:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago. 
My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name. 
There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

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 2023-05-02 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: LA

Complaint narrative:
I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago. 
My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name. 
There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review. Thank you

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 2023-05-02 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation