vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good day madam/sir, ALLY FINANCIAL the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - Ally application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- Ally claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ 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 2021-10-14 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: CA

Complaint narrative:
XXXX, Transunion and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.

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 2021-10-14 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: CA

Complaint narrative:
Equifax, XXXX and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: OH

Complaint narrative:
I reviewed my personal credit report and noticed that there were inquiries on my credit report that I did not authorize. All attempts made to resolve this with the companies involved have proven futile. I am a victim of identity theft and did not make these enquiries. The incident related to the theft of my identify has been reported to the Federal Trade Commission. I am requesting that these items are deleted to correct the discrepancies on my credit report. 

FRAUDULENT INQUIRIES Account Name : XXXXXXXX XXXX  Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
Please notify all Bureaus such as XXXX, Experian, and XXXX to remove this account from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: TN

Complaint narrative:
I received a call today, XX/XX/2021, at XXXX pm from Merchant Adjust from telephone number : XXXX ( XXXX ) XXXX. I was told that if I didnt pay the balance in full to them on behalf of XXXX XXXX XXXX XXXX that they would begin to report on my credit. The callers name is XXXX XXXX and she told me to call her back directly at XXXX and pay her directly to avoid this small balance account from reporting negatively on my credit. This is a threat and I am not comfortable with it at all. 

I am uninsured and currently unemployed so I have no way of paying this account in full. I feel this call was made in a threatening manner to have me pay her in full over the phone on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
I am a chase customer that reported fraudulent charges starting around XXXX XXXX. There was a check deposited in the amount of about {$13000.00}. I also had many other suspicious withdrawals and purchases totaling to over {$14000.00}. I currently have no money and in the negatives. I am waiting for a temporary adjustment to have money in my account but today is technically the 2nd business day XX/XX/2021. Almost all activity happened in the state of New Jersey. I do not live in the state and have not visited there at anytime during the effected dates. I am worried I will not receive my money back. They asked about me writing down the pin somewhere and I mentioned it may have been on a paper I keep some passwords on. I think it was but it's possible that the pin was not on there after I thought about it. I plan to clear up that fact but either way, I did not authorize any of those payments. Some included {$1000.00} at a sneaker store. Multiple purchases as USPS for approximately a little over {$900.00} each. And various withdrawals at a Chase banking branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: NC

Complaint narrative:
On XX/XX/2021 I applied for credit to purchase a new AC unit for my house and was offered financing interest free for 12 months through service finance company llc XXXX XXXX XXXX XXXX Oh XXXX. 
Every month since then I have had difficulty paying my bill. It only arrives a few days before it is due, and while they say they have the ability to pay on the phone or online those options are not available. The web site has never worked, I am unable to even set up an account. And today when I went to the web site and got a phone number it was for a different company. I entered my account number and received a message saying they had no record of it ( which makes sense it being a different company ). Now my bill is 2 days from being due, and I am unable to pay. It seems the only reason to make it so hard to pay is that then I will have violated the terms and can then be charged interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I got internet from XXXX XXXX XXXX with a XXXX package which was under contract. I wasent satisfied with the service, nevertheless i continued with it because of the contract and when the contract expired i canceled the service. The agent who did the cancelation didnt give me any objection nor said anything about the contract, which seemed normal to me, since the contract was expired. After some weeks went by i get a letter saying i was being billed for the remaining months that i didnt continue with the service. I spoke with an XXXX XXXX XXXX agent and explained that i specificaly waited for the date to cancel my service because i knew when the contract was set to expire. The agent then asked me if i had called and added any other channels or anything added to the internet /XXXX package. I awnsered, '' no ''. After a few minutes of investigating the agent said she wasent able to see why the contract extended and also explained that under normal circumstances those extencions happen when something is added. In my case, nothing was added but explained that i had removed certain channels that i didnt need. She then explained that, that was not a cause for the contract to extend and she would make a note and have that rectified. I didnt get contacted by XXXX XXXX XXXX after that. A few months after i get a letter from collections and then calls from that same collection agency.

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 2021-10-14 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: PA

Complaint narrative:
I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report from Transunion and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with Transunion and XXXX directly. 
I then contacted XXXX and transunion and they told me that I needed to speak directly with the companies again to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
I have been disputing for several months with Experian & XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.

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 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase credit card, the one through United Airlines. I pay off my balance every month but it appears that Chase is penalizing me for this. On Monday XX/XX/XXXX, one of my children attempted to make an online purchase and said the card was not working. I called Chase and was told that I had hit my credit limit ( $ XXXX ) on Monday XX/XX/XXXX. They said if I made a payment to bring my balance below the limit, my card would be available for use again in 1-2 business days. I therefore paid directly online on Monday XX/XX/XXXX and the money was taken directly from my checking account at XXXX XXXX on XX/XX/XXXX. My son in southern California tried to use the card and was declined so I called today. I am now told my card is on hold for at least a week because I paid too much money. They said that when someone pays an amount that is close to their total credit limit they have a policy of putting the card on hold for a week. Since I paid off my balance, there is no legitimate purpose to putting my card on hold. This policy appears designed to punish people who pay off their balance each month, so that Chase can deter cardholders from doing so ( and can collect interest on balance that carries over ). I spoke with two account supervisors ( XXXX and XXXX XXXX who did not help me and said they had no power to override the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: LEXISNEXIS
State: OH

Complaint narrative:
I XXXX XXXX is currently submitting a complaint regarding Lexis Nexis a consumer reporting agency. According to the FCRA 15 USC 1681 ( a ) ( 4 ) as a consumer with respect to my right to privacy so there is no such thing as a public record which Lexis Nexis has failed to comply to my right to privacy in which is a violation of the FCRA and is currently reporting a Bankruptcy ( Case Number XXXX ) on my consumer report. I have reached out to the bankruptcy court to check to see if they report to the consumer reporting agencies and they have responded and stated that they do not report to the consumer reporting agencies. In the attachment of this compliant you'll find the letter from the court stating such fact. Lexis Nexis has fished this information out and was not given permission to have information and pursuant to 15 USC 1681b ( 2 ) they did not have permissible purpose to furnish this information. I demand that this is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Applied to refinance a conventional loan to va loan. When locking in the rate I had to pay an appraisal fee of {$490.00} and a credit report fee of {$21.00}. A few days later the loan was cancelled due to a 6 months seasoning requirement on the current loan to refinance to a va loan. I even asked the loan officer multiple times to make sure it could be done as other banks had told me similar. Loan officer could see all this information from the initial credit report but still told me loandepot would be able to do it. After a few weeks I finally got an email stating that only the {$490.00} appraisal would be refunded. Loan officer said credit report fee would not be refunded even though the cancellation of the loan was due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I got an email from XXXX XXXX XXXX regarding a debt collection agency by the name of Nationwide Recovery Services re : a debt owed them in the amount of {$1300.00} in my name. 
So I notified them informing them of the issues at hand, I spoke with a young lady who was assisting me in trying to find out where the debt came from, she didn't have that information because the names in her system reference the same name as mine. I never receive any kind of notification from this debt collection agency before, and there's another problem, I can't get a hold of XXXX only their automation system in which don't address my needs, The notice has been posted by XXXX on my account because work with them before in past and them {$99.00} a month for six months to repair my credit, that ended last year XXXXXX/XX/XXXX, but in the meantime when I was speaking with the young lady who kept putting hold, I got another email from XXXX informing me my credit score has decreased by 7 points at this point I didn't know what to do but file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account was closed XX/XX/2020 by the Company without cause as I was making my payments on time. After closing the account I continued to make payments on the account in good faith as I had utilized the card. This closure has not only affected my credit but it has caused a hardship. During the months after the closure of the card the economy suffered loss which ultimately affected my ability to pay on time. My employer payroll date is between the XXXX of the month. I requested a changed of my due date however was told that I could change the due date as the account was closed. However I was told by XXXX Senior Account Specialist that the terms of the account are the same. But I am consistently being assessed a late charge and unable to change the payment due date due to the account being closed. This company is taking advantage of the economic downfall and my inability to pay prior to the XXXX of each month. I was advised prior that a representative was changing the billing cycle on my account to assure that late fees were not being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NY

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
My dad passed away in XXXX 2021. SPS sent someone to my dads house on XXXX/XXXX/21, then XXXX/XXXX/21 to winterize it without approval or notice to me. While they were there they stole approximately {$4000.00} worth of my dads ( now mine and my brothers ) property. I called to let the company know, they simply told me to file a police report. There was no forced entry on the house so the only people who had access to the house is the mortgage company, which Im also not sure how they entered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I was alerted by the FL XXXX XXXX XXXX XXXX that someone using my credentials had applied for unemployment. It was not me. I alerted the university where I teach, as well as the XXXX XXXXhat someone was fraudulently using my credentials to apply for money. I also alerted the three main credit bureaus that fraudulent activity was happening with my credentials. 
Soon after that.. XX/XX/2021, I received notice from TD Bank ( talked to XXXX ) that someone had opened up an account in my ( XXXX ) name, in order to collect the fraudulent monies. XXXX said he would monitor it and noted that this was fraud. On XX/XX/2021 I received a book of checks from TD bank... so I called XXXX at TD Bank, that day and again on XX/XX/2021 to alert them to this fraudulent activity. I went to their XXXX page to lodge a complaint. I have received NO satisfaction that TD Bank has closed this fraudulent account and taken my name off of it. 
By XX/XX/2021, I have received bank statements from TD bank.. and a credit/debit card. The statements are showing activity, mainly that the FL XXXX has canceled the deposit, and now there are overdraft fees on that account. As of XXXX, 2021, I think there is still a TD Bank account open, fraudulently and using my maiden name and credentials. I have all the documentation. I can not get resolution from TD Bank.

Company response to consumer: Closed with non-monetary relief