vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: AR

Complaint narrative:
XXXX XXXX XXXX is reporting late accounts when that account has been closed for 8 months, documentation attached. 

I shouldn't have but one address on my account, XXXX XXXX XXXX XXXX, I lived here my whole life. 

I have attached an affidavit of identity theft for removal of the following account and inquiries. 

Accounts XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX  XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed InquirieXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Mortgage Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Fin Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, My Amazon Store card was closed stating I am highly risk for paying the credit. I requested the account manager to review the decision and reopen the account but they did not. I never had history of late payment, I was always paying in time but still amazon store card from synchrony bank closed my account. I had some rewards point which also has been taken away.

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 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I deposited my letter by registered mail with the US Postal Service. In my letter I had disputed several items listed on my credit report, issued by your firm. The items are erroneous and illegally being reported on my credit report and do not belong to me. Transunion has taken longer than 30 days to respond to my disputes.

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 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I tried making a purchase of {$1.00} and was declined even though I had the money available. I checked my profile and it told me my account was closed. I emailed for an explanation why and Square Inc sent a generic email about violating the terms. This didnt start happening until I started using the app for stocks. I have done nothing wrong and barely use my cash app account. Only for XXXX or stock purchases and small store purchases for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have repeatedly been charged less through autopay than Im told in my account that I should be paying and without my permission. The first time I noticed this was in XX/XX/XXXX, when I realized I was charged {$400.00} instead of closer to {$450.00} like I had thought I was paying. This made me take a closer look at my payment history, and these are the changes I noticed : XX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXXmonthXX/XX/XXXXXX/XX/XXXX : $ XXXX/month Prior to XX/XX/XXXX, the price per month was lower than {$440.00}, but after XX/XX/XXXX I started budgeting $ XXXX/month and assumed thats what I was paying until I finally caught on in XX/XX/XXXX. I called and talked to them then, in attempts to find out what was going on, and I was just told that autopay amounts vary and there was nothing I could do about it and that they didnt need to give me any notice or get my permission. I literally said I wanted to pay more per month and they told me that there were no plan options for me to be able to do that. 

In XX/XX/XXXX I added extra money per month to my autopay for my federal loan, because that one has a separate payment from the rest and is the only one that will allow me to autopay extra each month. This should mean my total monthly payment is now {$500.00}, which is what their website still says I pay per month as of today, XX/XX/XXXX. However, on XX/XX/XXXX, only {$370.00} was deducted from my account. What happened to the other {$120.00} even my autopay says I was supposed to be charged for the month? 

I realize it seems odd to be complaining about paying less, but this is going to lengthen the amount of time Im in debt to them, which is going to mean I pay them back even more than I agreed to in the first place. As it stands, those 15 months of lower payments means I paid {$210.00} less than I had thought. Combine that with the missing {$120.00} from this month and thats {$330.00}, which means thats an additional month of payments tacked on to my loan term, which means thats extra interest money Navient is discretely making off of me. 

Ive already been paying off my student loans for 18 years, and according to Navient I still have XXXX more to go. Its ridiculous and overwhelming enough without having to worry about companies pulling this kind of shady XXXX when all Im trying to do is pay the amount I agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive a summons from court from Portfolio Recovery Associates XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
I added authorized users to my account. I XXXX a XXXX that XXXX XXXX XXXX XXXX XXXX. We are currently working in California XXXX XXXX XXXX. I added 6 of my trusted XXXX  to my Capital One ( Venture One ) credit card. On XXXX I received all six cards in the mail. Then on XXXX I received a letter from capital One stating they had closed my account. On XXXX I called the credit card company and after speaking to 3 different people got the supposed top level customer service rep. She told me my account was closed due to violating my agreement with Capital One and adding to many authorized users. I know for a fact this is not right because my wife who has her own separate venture one account just recently added 8 of our employees to her account and only had to send extra verification to have them excepted. The lady told me there was nothing she could do to reopen the account and since the account was closed all my venture  points that I had been saving for an upcoming trip would be lost. Not only that a closer of a credit card has a negative impact on my credit score. I have never been late on a payment and pay off the whole balance every month. They never one time before the letter stating they had closed my account ever once tried notifying me that there was a red flag by adding the authorized users. They have my email and phone number. I have done absolutely nothing wrong except be a good customer and now Ive have my account closed my points stolen and my credit effected!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : CAINE & WEINER COMPANY INC To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I applied to and received a loan from the SBA which approved and deposit into my Chime account. Chime froze my account and refused to release the money. Its is requiring that I submit a number of documents such as my business tax filings and XXXX to verify information that was already considered in my SBA loan. As a result of this illegal activity I have not been able to gain use of the loan while incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On or about XX/XX/2019, an authorized cardholder reported the account as potentially compromised which would trigger a freeze on the account until a replacement card was issued. 

Request XXXX  respond to : 1. Does an authorized cardholder have the right to initiate the process of an account freeze pursuant to a report of suspected activity compromising the security of the account? 

2. If yes, why was the account not frozen until a replacement card was issued?

3. If no, please cite specific regulations and/or internal policies that support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 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: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I have a loan with ACIMA CREDIT XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ACIMA CREDIT  XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: V and H Portfolio
State: LA

Complaint narrative:
I have a loan with XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit System International Inc went to calling and Harressing over and Medical Bill collection bill for XXXX XXXX on XX/XX/2020 for the amount of {$360.00} dollars inwhich my XXXX XXXX XXXX XXXX XXXX has denide the billing claim because their Creditor XXXX XXXX has summited the wrong name XXXX XXXX on the billing claim and sent it to Well Med instead of My health Provider XXXX XXXX XXXX verifying the spelling on the billing claim number XXXX. 
Inwhich my Legal Representative XXXX XXXX XXXX XXXX has proof of when they has sent Credit System International Inc and Legal Demand notice to settle Debt collection Harressment claim on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end 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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are Flagship Cree, and XXXX XXXX. I tried getting in contact with these two companies but still havent heard anything from 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