vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We went into forbearance with covid relief in XXXX due to loss of income due to the pandemic. We work with XXXX XXXX XXXX in the home and were unable to have steady income due to the pandemic. We have 7 children and this was a lifeline during a very difficult time. Since coming out of forbearance we have attempted to modify the loan multiple times, each time being denied with no reason. 
We started applying in XXXX of XXXX. We have attempted multiple times since that time. We have also been receiving calls saying our home is on the market for foreclosure but have never received a notice of sale or sale date or any other type of information from Mr. Cooper or any other company. We also can not make any payments with Mr. Cooper unless we pay the full amount due from the forbearance. They have not been clear on any ways to avoid foreclosure, other than modification, however they continue to deny the modification with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Money was stolen from my account due to identity theft and I am not being reimbursed. A new card was issued under my name in which it was picked up at a XXXX  shipping facility. They then hijacked my esim for my phone which caused me to have to change my phone number not to mention i was unable to make calls with my phone no receive them. The theives proceeded to make outlandish transactions using the new debit card and chase has denied my claims. The person also accepted the charges they made by confirming purchases with my cellphone number and managed to make transfers out of my savings account leaving me with only XXXX cents in my checking and nothing in my savings. I have been a chase consumer for over a decade and this has never happened to me before. My spending history speaks for itself, for I have never EVER even allowed over XXXX to leave my account in one day. I cant believe Chase was so negligent and allowed that much money to come out of my account in less then 2 hours. The spending limit is only {$3000.00} per day so they have a lot of explaining to do. I work too hard to save up that money and it amazes me how chase could let a crook swipe it away in a heartbeat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account XXXX  XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a notice of collection from Midland and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A payment was made on XXXX XXXX by a friend they paid off the full balance XXXX the payment went through my credit was available. Capital One approved the amount. I started using my credit card. On XX/XX/XXXX the payment was return I called my bank and they stated the person called their bank and cancel the payment saying it was fraud. The person made the payment by themselves they shouldnt be able to call and says its fraud if they were the one that made the payment so now my balance is over its limit XXXX and other pending charges keep going out. I try contacting the person they not responding. I didnt call their bank I have a XXXX job. This person made the payment themselves with their own account. I dont have access to their account. They are closing my account but said I need to pay the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Calling about account that was false fully charged by XXXX XXXX XXXX XXXX I told them too stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I Declined a XXXX credit card called " XXXX '' ( Credit card percentage too high and credit limit far too low ) and FICO or other reporting bureau ( Transunion, XXXX etc. ) reduced my score by XXXX points when it was I who declined the Credit Card and NOT XXXX who offered it and I declined acceptance. 

My current credit score is XXXX but XXXX points should be restored, which would render my true and correct score to be XXXX. My ultimate goal is to reach a uniform score with Fico and the major three credit reporting agencies of XXXX. 

his is most important to me for professional standing, good character and credit worthiness to me. 

Thank you for any possible expedited assistance. 
Your Bureau serves a most worthy cause complementing Truth in Lending! 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX or message c/o XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, IL XXXX Email Address : XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
In XXXX Wakefield & Associates XXXX, out of XXXX Tn. sent my wife XXXX XXXX and myself XXXX XXXX XXXX debt collection referenced letters apiece. ( XX/XX/XXXX - total XXXX specific reference # 's - XXXX each individual letter - ten specific Account # 's attached from XXXX XXXX XXXX for each letter received ) These letters were debts allegedly owed for our yearly annual physicals performed for us both & received on XX/XX/XXXX. I answered/provided information for all alleged debt letters received from this company on or about XX/XX/XXXX. In those letters received it stated the following : We must stop collections on any amount you dispute until we send you information that shows you owe the debt. No information was ever received by my wife or myself from Wakefield & Associates through XX/XX/XXXX showing we owed any debt. 
On or about XX/XX/XXXX my wife XXXX and I again received another five debt letters apiece ( XXXX total ) from Wakefield and Associates XXXX for the same amounts of debt allegedly owed for XX/XX/XXXX from last year. But in these debt letters we received all XXXX reference # 's from Wakefield and Associates XXXX were different from last years and the alleged debt owed was now owed to XXXX XXXX XXXX XXXX ( same amounts allegedly owed, one word added in name - Health ) All their account numbers assigned to the debt were now changed with the last XXXX account numbers not matching last years accounts numbers for the same alleged debt owed from last year for XX/XX/XXXX. ( we refuted/responded in writing to these new letters received on or about XX/XX/XXXX ) My wife and I would like your federal agency to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wakefield and Associates XXXX XXXX for unfair and deceptive practices to collect debts allegedly owed according to the Fair Debt Collection Practices Act which became effective XX/XX/XXXX. Additionally we request that your agency provide us with a written report and determinations of your agencies conclusions reached and actions taken against the above companies referenced. 

Thank you for your time and consideration in this matter. XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
On Sunday XXXX i noticed my credit had dropped by XXXX points, the charge was from a company called XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone number ( XXXX ) XXXX the were reporting for a company called XXXX. I have never heard of XXXX XXXX XXXX or XXXX and I'm pretty sure XXXX doesn't even exist i cant find it any where online. XXXX XXXX XXXX is claiming they did not report this charge to Experian they reported another XXXX XXXX and Experian made the mishap of putting it on my credit. which is either highly unlikely and XXXX XXXX XXXX is commiting fraud or a terrible mistake on Experian credit reporting part. i believe that XXXX XXXX XXXX is the culprit after looking up there company and finding multiple people going through the exact situation as I am. I would like to file charges against them for fraud and identity theft.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America blocked both my wifes and my debt cards because they saw a lot of activity going on. They gave us no warning until late and that was after we were embrassed trying to get monies out of our own account with an ATM with an XXXX XXXX XXXX in XXXX NJ. The tranactions were all legal, so why should a XXXX bank such as BANK of AMERICA control our monies, and tell us how we can handle our own accounts and monies. I have since cut up the ATM cards and thrown out the checks. This is XXXX and I will not tolerate being watched and told what to do with my own accounts and monies.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/2023 I disputed unauthorized transactions that were made on my account I sent in documentation that was needed. And while I was awaiting my dispute status they permanently closed my account with my funds and would not release them. They wanted to put me on a 180 day hold before I was able to get an answer if I was able to get my funds out of my account and they then closed the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification from my credit monitoring service that my BPOP credit card was in settled status. I had no idea what it meant and I was slowly paying off their credit card. Once I learned its a negative status I called BPOP at XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I was told that the account is closed and that I should call XXXX. Note, on the website the account still shows as open and active. 

I called XXXX and eventually talked to a supervisor XXXX, who said a notice to me they have a record of a notice being sent and that account was closed a year ago. I never received that notification so I am not even sure if I was paying on a closed account all that time, but the settlement notification did not show up on my report until XX/XX/XXXX. I never received a letter or a call from anyone so I could not even attempt to resolve this item going into 'settled ' status by simply paying it off. I certainly did not know the account was closed for that long. 

When I pointed it out XXXX said there is nothing they could do and gave me a phone number to another 3rd party ( XXXX ). I did indicate that she is forcing me to call multiple agencies and whether there is really nothing else, they can do. She said no. 

To add additional wrinkle to all this, after a call got disconnected, I called back to get the remaining details on the account ( date closed, amount owed and date the notice was sent ). A different representative ( not XXXX ) indicated that the account was closed XX/XX/XXXX, amount owed was {$1400.00} and notice was sent XX/XX/XXXX. Needless to say, I noted the discrepancy in dates ( recent closure and notice ) provided by XXXX and requested to speak with XXXX again, but she was in a meeting already according to the representative I was talking at the time ( XXXX XXXX ). 

Something clearly went wrong, but I am not even sure what or who is to be blamed for this issue. More annoyingly, no one seems to know exactly what happened. I keep getting a run around and the information provided by different representatives is contradictory so I am not even sure who to trust in terms of information. All I know for sure is : I got a ding on my credit report and it was a surprise, because the amount I thought was a balance on credit card is now a 'settled ' balance. I did not settle with BPOP ( BPPR ) and I did not receive appropriate notification from them. I did not even receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
On XXXX there was a charge of XXXX dollars it was I guess it was to see if the card was good and than than XXXX each month after until XX/XX/2022. I was not aware of these changes which I did not authorize. When I found out I contacted the cc Fortiva to dispute these charges they gave me the company who fortunately charge the card, and they tried to reverse the charges but the cc company block them. I have a email from to prove it. I believe someone in the cc company was responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
Used postal mail to correspond about an investigation even though I signed up for electronic correspondence. NEVER received the mail and was only made aware of the situation when I was emailed. Told even though I didnt receive the postal mail still held liable for missed payments I was unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: IL

Complaint narrative:
Denied loan bc of credit score of XXXX reported by experian. When reviewing experian date score hasn't been that low EVER. Actual score of 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 2023-06-12 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: AZ

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi Bank received and approved a fraudulent credit card application from someone using my identification information. It resulted in a new account being opened. I called Citi and reported the fraud. Citi cancelled the card and opened an investigation.

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 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
They call me off of XXXX. 
XXXX said they were sequium asset solutions, which has tooken money out of people accounts after looking them up, they are a complete scam ans they call off ID of XXXX. Its really weird they know my adress, my phone number date of birth, etc and they shouldnt know so much information, they think they are smart and use good words but they are complete scammers please stop them .I DO NOT HAVE DEBT WITH THESE PEOPLE THEY JUST WAN NA HARRASS NEEE

Company response to consumer: Closed with explanation