vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ascension Point Recovery Services, LLC
State: ID

Complaint narrative:
Received a call from XXXX, claiming to Ascension Point, a debt collecting service. They claimed there were debts owed from my deceased husband 's estate ( my husband died 2 years ago ). But they would not say what for or how much. There were absolutely no debts owed at the time of my husband 's death or since then. They asked for personal information, which I would not give. When I commented that this was a scam & I would report it to the authorities, they said they would transfer me. Then the line went dead. 

I have blocked this number on my phone, but I am positive it is a scam. I am reporting it to protect other people who might believe them & send them money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I cant really give you specific dates because this is been going on almost 20 years or more I can not get a home loan because of all of the incorrect student loan data its all on my credit report I am homeless at this time and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: ID

Complaint narrative:
I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

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 2021-02-17 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: ID

Complaint narrative:
I just simply have been a college student moving around traveling and living at different apartments, and i have like 5 different addresse

s reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I have no knowledge of this debt. It does not belong to me and I have never been contacted by neither the debt collection agency or the original creditor to verify the accuracy of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have entered into a repayment agreement with Synchrony to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XXXX, 2021. However, the attached information indicates that Synchrony has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by Synchrony are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to Synchrony.

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 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
Company demanded payment on a loan, that I gave no authorization too, in writing, by verbal consent or in person. I was not aware of such loan. I did not apply for loan online or in person. 
I have not gave consent for such loan or applied for the loan. I tried to communicate with company about this debt, however results were unsuccessful in my disputes. The company demanded payment from me, and fully aware that I did not apply for such loan in person or online. 
Company on these dates took out the following amount. 
XXXX {$180.00} XXXX {$180.00} XXXX {$300.00} XXXX {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: IN

Complaint narrative:
Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX  however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt. 
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, we attempted to unfreeze our Equifax accounts to refinance our mortgage. I went online and was able to unfreeze my account, but when I attempted to go to my wife 's account I was unable to log in to the online account and was only left with a number to call. After calling the number you are forced into an automated service that first tells you about promotions then has you verify basic information. I was able to do this even though it takes about 5 or so minutes.

It asks you vague questions about your credit history past. Some of these questions are so vague that it is impossible to answer such as " Have you ever had a jewelry, auto, retail or finance account? '' or " What was the mortgage lender you had in XXXX? '' I got this one wrong because I think it was the original mortgage lender that we had when we bought our house that was then immediately sold to another lender, and then sold to ANOTHER lender. And it dates back 7 years!

After failing their tests, we were locked out of our account, I think, because the automated system does not tell you that you are locked out, it will only inform you that it is unable to help you after you call back and go through their series of questions AGAIN. I was trying this for at least 2 hours. I had to go online to search the internet to see where I could talk to an actual person ( this was through a completely different number and some steps ).

When we were able to connect to an actual person, we also somehow failed their questions, and were told the only way to contact them at this point was through mail or fax. The customer service person could not help in any other way. Was not able to tell us why our online account was locked or help us unlock our account in any way. We were also told that it would take 5 days after they received our information by mail or fax before they could help us. This time delay would make it so our loan was invalid. Also, because of COVID we do not have access to a fax, and even in regular times would not have easy access one. 

This whole process is EXTREMELY frustrating to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We had a home loan with Freedom Mortgage. We sold the house and it closed on XX/XX/XXXX. Freedom Mortgage has not returned our escrow money to us yet. It is over {$3000.00}. I have spoke with several people at the company and am promised each time that it will be sent the next day. It is now XX/XX/XXXX and I have not seen this money. This experience with them is just one more bad experience with them.

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 2021-02-17 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
SunTrust opened a bank account in my name in XX/XX/XXXX which has been determined to be fraud. However, the inquiry is STILL ON MY REPORT as LightStream and has NOT been removed. SunTrust Bank ( SunTrust ) merged with Branch Banking and Trust Company, a North Carolina banking corporation ( BB & T ) and the combined bank is now known as Truist Bank ( Truist ). LightStream is a division of Truist. I have asked XXXX to remove it, SunTrust has promised me that they would remove ANY reporting, but as of today XX/XX/XXXX, the inquiry is still there. I did not authorize it and I want it removed immediately or a financial penalty invoked. This is nearly 6 months later and the inquiry is still present. It took SunTrust several weeks to close the fraudulent account and STOP sending me statements as if I actually opened the 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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
I XXXX XXXX never entered into a consumer credit transaction with RMP SERVICES LLC. I was not expecting a bill on XX/XX/2021. On XX/XX/2021 they sent a bill thats a violation of 15 US Code 1692b. They also used obscene and threatening language that attacked my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d. RMP SERVICES LLC did NOT provide me a HIPAA release form for this alleged debt to releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/2020 Quicken loans ran a credit report on my account. I did not give them permission. I called about a loan and hung up without any desire to move forward. My score has dropped 30 points because of this and XXXX XXXX  does not have any ability to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, XXXX, & Experian. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and Experian has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

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 explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On the XXXX of XX/XX/2021 my husbands card was stolen and used in XXXX  at an XXXX. We reported the fraud on our account to Navy federal credit union they told us it was going to take five days before we could get our money back and today the XXXX or XX/XX/2021 we called them and they proceeded to tell me it wont be back into the account for another ten days and then tells us that the only throng they can do is issue a credit for XXXX to our account that we would have to pay back. So now I owe them the money that should of been in my account anyways. They say they are all about customer service but they are not its very upsetting being lied to me o over and over again about how long my money will be given back. Im the only one working in my family and I have three little girls at home to have to feed and by diapers for ... if they wouldnt have lied I could of at least tried to borrow money til my claim was closed but they told me Id get my money back in 5 days well here we are 7 days later and I still havent seen my money. Im very disappointed with this credit union and how they have handled this whole situation. They have zero respect for customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CORELOGIC INC
State: FL

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDCO Inquiry :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to 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 2021-02-17 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: TX

Complaint narrative:
I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I received a letter from a collector saying I owe {$4600.00} as of XX/XX/XXXX in a paypal credit card that I have never opened, I went online to check the reference and now XX/XX/XXXX over XXXX is owe. 
I called the collector XXXX which return it to paypal to investigate because the phone, email and bank account did not match my paypal account which has a XXXX balance. 
Paypal shot the account down and is investigating. 
Last year around this time we got a notification that a XXXX account was opened in my name, I immediately called the bank, closed the account and then reported to the FTC, I also place a 5 year freeze in my credit and have my XXXX credit locked. 
Since I have been a victim of this before I keep a very close watch in my accounts and monitored my score and get daily notifications, so I don't even know how this happened.

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I reached out to XXXX XXXX XXXX and SYNCB/TJXDC on XX/XX/XXXX informing them of 15 USC 1692e Violation- Misleading False Reporting. On XX/XX/XXXX remains on my credit with the same false reporting. I specifically highlighted the inaccuracies which makes this false reporting and these thinfs remain on my credit report. 

The date opened : XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. 

How can the same account be opened on different days? This is false and misleading reporting. 

High credit : XXXX reported {$2100.00}, XXXX reported {$0.00}, XXXX reported {$2000.00}. How can the same account have different high credit? 

Credit Limit : XXXX reported {$2000.00}, XXXX reported {$2000.00}, XXXX reported {$0.00}. How can the same account have different credit limits? 

Date of Last Payment : XXXX reported XX/XX/XXXX, XXXX  reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. How can someone pay on the same account on different days to the same creditor? 



Now, as of today, XXXX has removed the account because they acknowledged that they were in violation of my consumer rights. However, in XXXX XXXX, XXXX reported this account as a collection/charge off. 

The bureaus did not contact me in regards to how or if this debt was verified, neither did the SYNCB? XXXX validate this debt which is another violation of my consumer rights. 

I've asked twice to have this alleged debt removed from my credit report to no avail.

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 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened this card to take advantage of a 0.00 % interest of a balance transfer. Any other purchases outside of this transfer amount I understand, is subject to the 22 % interest as a " standard purchase. '' On XXXX I made a {$1000.00} standard purchase and on the same day made a {$1000.00} payment to go against that. The following statements show that my standard purchase balance that is subject to interest is much higher than it should be. Citi applied my {$1000.00} payment against the 0.00 % balance transfer amount and I am now being charged interest again a standard purchase balance I've already paid for. 

When calling Citi I advised that my balance subject to interest ( standard purchase ) is over by {$1000.00} and that the {$1000.00} purchase I made was paid for the same day I made the purchase. The rep on the phone even advised me that when a payment is made it is allocated to whatever balance has the highest APR. What they are doing is benefiting on more interest by taking the {$1000.00} purchase I made an putting it towards the Standard purchase balance that is subject to all the interest accrued. 

Citi refused to fix this and stated that to avoid getting interest I should stop using the card.

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