vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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: Grant & Weber
State: GA

Complaint narrative:
I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of 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 2021-01-02 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: GA

Complaint narrative:
I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of 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 2021-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of 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 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from Consumer Adjustment Company with the original creditor being XXXX  XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with XXXX XXXX XXXX. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at XXXX  XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. Consumer Adjustment Company issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by Consumer Adjustment Company or if this is identity theft and my information was used at XXXX  XXXX XXXX  and now Consumer Adjustment Company is now involved somehow. Either way this is identity or theft by an unknown person or Consumer Adjustment Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Synovus Bank
State: FL

Complaint narrative:
XXXX XXXX XXXX  in XXXX, Texas charged my credit card for {$6700.00} via a Synovus Bank Debit Card. 
I had reported the card lost / stolen to the XXXX Police Department in XXXX of 2020. 
I'm disputing the transaction plus many more on the Credit Card. 

I had advised Synovus bank that the card was lost or stolen and they issued me a new one. This is not the only incident that I have had at this bank in the past. 

There was a fraudulent charge of {$850.00} in XXXX, Alabama XXXXON THE SAME DAY. that took my account balance down to {$0.00} the charges were consecutive in the amounts of XXXX, XXXX, XXXX, XXXX until my account was XXXX. I was in XXXX XXXX, Florida at the time and could not have made the charges. IT took Synovus bank 8 days to refund the money to my account! WHICH MADE IT EXTREMELY HARD TO LIVE, EAT AND MAKE PURCHASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: MD

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX  that let me know that my credit score had dropped do to a 30-60 past due payments. I am questioning this report. I have set up bill pay with my bank and have confirmations that all my checks for XXXX XXXX were sent out. 
I did have a problem in XXXX because my checking account was hacked, and I did call to inform the company that I needed them to hold the check until I contacted them but that did not stop my future payments from coming to them on my behalf. 
I know that do to the pandemic that the mail has not been running the way it should be and a lot of letters or payments that we should receive in a timely manner have not come. I called XXXX XXXX so that I could get a letter for my lender about the current payment that I made and the letter is contradicting to what was put on the credit report. I have been a customer of XXXX XXXX and have always reached out to them if there were any issues. I also contacted the company on XX/XX/XXXX and let a message for the owner to get back to me and that was not done and today is XX/XX/XXXX with still no response. I also reached out to Equifax and they told me that the information provided did not add up with the letter that I read to them. I forward them the same documentation that I forward to XXXX XXXX for one of the companies to correct this as quickly as possible. I was informed by Equifax that would have to correct my information based on the letter because it is contradicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being Check N Go at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with Check N Go. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at Check N Go at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX  or if this is identity theft and my information was used at Check N Go and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
I have contacted Experian MULTIPLE times in regards to numerous inquiries that appear on my credit report that were not authorized by me. 

I have contacted them through the mail as well as over the phone. 

Experian has blatantly ignored my requests to delete these inquiries from my reports. 

I did not authorize these inquiries and I can not file a police report when I do not have the correct information to do such a thing.

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 2021-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
The company is unreachable via U S Mail or by phone I sent letters and it came back " Undeliverable ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. 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 2021-01-02 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. 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 2021-01-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: UT

Complaint narrative:
In XXXX I received a notice that my account was not current. I was confused because my bank showed that I had been charged ( through direct payment ) the {$450.00} that I had agreed on with the car dealership. I called the automated system and heard the date of my last payment and the date of my next scheduled payment. Since the system stated I did not have a payment due until the middle of the next month I believed that I received this letter as an error. 
I received another notice in XXXX, still feeling confused I called on XX/XX/2020 and spoke to a person by the name of XXXX. She informed me that the payment amount was {$450.00}. I told her that my agreement with the car dealership was for the payment amount of {$450.00}. She said she looked at the paperwork and did see that {$450.00} was the correct amount, she said she would change the amount to {$450.00} and remove the late fees. 
A couple of weeks later I received a letter stating that I had a late payment reported to the credit bureaus. I called and spoke with XXXX on XXXX and he explained that my payment had changed to {$450.00} due to an increase in taxes. Apparently, this change happened over a year ago and since my unpaid balance had reach over the {$15.00} dollar mark it was considered a late payment. I was never notified of this change and XXXX was also unable to explain this change in my account. I went ahead and paid the amount that was due. I explained my frustration to XXXX and asked that he have a manager look into the conversation that I had will XXXX and get back to me so I could see what I needed to do move forward. I never received a call back from anyone at USbank. This is when I filed a dispute report. USbank  denied my dispute to remove the mark from my credit. 

I am very disappointed with the way all of this has been handle. I always make my payments and I should not be penalized for USbanks inability to communicate. I was NEVER notified that my payment changed. When I called the automated system, it told me that I did not have a payment due. When I did talk to a live person, I was told that I had resolved the issue, and now my credit has been harmed. At the end of all of this I could not even get a manager to call me back!

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I received an attempt to collect a debt from Waypoint on XXXX for the amount of {$100.00}. This is to collect from XXXX XXXX. I used their internet service from XXXX XXXX to XX/XX/XXXX in a condo I own. I moved to a new home in XX/XX/XXXX that uses a different internet provider. The renter of the condo is now using XXXX for internet so a technician came to the condo to set up the service and pick up the old router I was using and provided a new one to the renter. XXXX now claims their technician did not pick up the old router as they have changed their policy as they used to do that service but do not now. I do not have the router and XXXX did not do any research to find out where it is. 
Therefore I do not owe the fee for the equipment. 

I have contacted XXXX several times from XXXX XXXX to present and the conversations go no nowhere as they refuse to believe I do not have the router and understood the technician picked it up during the install.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This is a supplement to my Complaint XXXX. 

Being concerned about M & T closing my account XX/XX/XXXX, I went to the XXXX XXXX  in XXXX, Maryland to check the status New Years Eve. The branch Manager reviewed my account to check the status. He saw NO flags indicating my account was being closed. 
Yesterday, the XXXX of XXXX, I attemtped to use my Debit Card. The ATM machine receipt said it was an invalid card! I did not receive any notice. So, from one day to the next, I have been cut off from my money. A total of {$7400.00}. 
What if I had an emergency? 
I have a call in with a branch manager. I have not had my call returned.

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 2021-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.

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 2021-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges. 

On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again. 

I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
regarding account XXXX, which you claim unpaid such as I owe {$120.00} or my account was charged off {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 tried and wrote to have the wrong addresses and aliases names removed from my report

Company response to consumer: Closed with explanation