vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX XXXX XXXX ( my partner of 30 years ) closed her IRA account to cover medical bill as she was in the process of dying. We went to Bank of America ( BOA ) and talked to XXXX to close the IRA account then, but was told it would be 4-5 more business days before they would close it and move the money to her BOA account. 5 days later XXXX called to find out where to move the money and how much to withhold in taxes. All this happen around XX/XX/XXXX. It was my understanding the IRA account was closed at that time. 

Several months later I started to receive statements of the IRA account with {$23.00} in it. Dealing with the passing of and estate of XXXX XXXX 
XXXX I assume this was an accounting error and let it go. 

XXXX of XXXX I was still receiving statements for the {$23.00} so I contacted XXXX and was told that I was the benefactor of the account. 
That they could send me the balance but I had to fill out and notarize a Affidavit of Domicile, they had the Death Cert on file from XX/XX/XXXX, which I did. I was instructed to email it back then call the next day, which again I did. Talking to XXXX personal on XX/XX/XXXX I was told that a check would be issued for {$23.00} and to expect it no later then XX/XX/XXXX. I also talked to another associate about the impact of taxes on money from this account. 

XX/XX/XXXX I contacted XXXX again as I had not seen a check. 
I was told then that " Oh we have to charge for closing the account of {$49.00}. I was never told this, I was not given any paperwork stating this, but was told by XXXX on XX/XX/XXXX that I would receive a check. Later this same day ( XX/XX/XXXX ) I received a phone call from another XXXX personal stating they were sorry that they made an error when talking to me on XX/XX/XXXX and that there would be no check coming but they would kick it up to management for review. I should receive a phone call from the management in 24-48 hours. 

I was never told of any closing cost, it should have been considered closed in XXXX when we waited 5 business days for the stock and bonds to close. They never contacted me that there was no check coming, they just let me hang till I called then stated we are keeping the money we promised you. 

I know it's not a lot of money but it's the point, I followed their directions, a cost to notarize their form was incurred by me and now they will not keep their word and cut a check to me. I have to wonder how many times this has happen to other people who would just say its not worth it and XXXX gets to keep money they are not entitle to.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/year> I disputed this account on my credit Due to it showing a Jefferson capital listed and not XXXX who contacted me. XXXX and XXXX as well as Jefferson capital responded with it meet FCRA and would remain reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank, a XXXX associate has a debt against me. My credit was impacted negatively. I have been trying for months to link my bank account with no success. I always received error messages. There is no other way to pay, and is because of {$4.00}. I continue to receive error messages and paypal customer service is horrible. If I can link my bank account, I cant pay. I tried with XXXX different banks and it still gives me the same error messages. This is an issue on paypal and paypal alone. I want the negative items remove 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hi, Midland Credit started randomly reporting a balance on my account in XX/XX/XXXX. XXXX date on my XXXX says XX/XX/XXXX, and on my XXXX account, it shows XX/XX/XXXX. The balance started at {$900.00}, and it is now, as of XX/XX/XXXX, {$1000.00}. I have asked numerous times for debt verification from them, and they have not responded. I have never had an account with them.Please have them removed from all three credit reporting agencies immediately. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
My student loan was disbursed back in 2015. I've never been without a job since graduation with the exception of a few months that I broke my foot, but as soon as I was able to work with a knee roller, I was back. I've even held XXXX jobs the majority of the time and did side work to make funds. I've made all attempts to pay my student loan and unfortunately those who helped me co-sign have helped me which is embarrassing to me. 

The way they set up my payments even if I try to make a payment and bring the one down at a time, they go and disperse the monies through all of them and it's like nothing it budging. 

For ex. how can it be that a $ XXXX loan and I've made $ XXXX in payments and only $ XXXX went to the principal. The interest is fixed. 

I understand that forbearance, deferment and late payments can incur fees, but this is unreasonable, a scam, and not far to those hard workers. Again working my tail off and the reason I need help is to not affect those who believed in me and tried to help me. I shouldn't be penalized because my salary doesn't match my payments to live and survive. I live well below my means. Other than car insurance, a cell phone and a place to live I don't have additional expenses. How is anyone to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
My dad just requested AMEX to skip XXXX payment as Im the one paying the card but had a health issue that has me jobless. 

The agent offered XXXX options and he preferred the 12 month hardship plan but the agent gave the 48 month plan which block the card. And the agent just said it was the system. Definitely, AMEX is run by robots because of no human logic or concerned was placed. 

AMEX doesnt care for the customer. Other cards help by waiving or skipping the monthly payment except AMEX. Its not a complication. Its not difficult. 

Hoping to pay off the card and move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/2014 I disputed this account on my credit Due to it showing a XXXX XXXX listed and not XXXX who contacted me. Transunion and XXXX as well as XXXX XXXX responded with it meet FCRA and would remain reported.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/year> I disputed this account on my credit Due to it showing a XXXX capital listed and not XXXX who contacted me. XXXX and Equifax as well as XXXX capital responded with it meet FCRA and would remain reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
Navy Federal Credit Union opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have asked and received nothing concrete about over payments I had taken from my check last fall that were not returned to me ever. By my accounting, Navient garnished all of my XXXX payments of XXXX, did not apply these to garnishments taken and have claimed now over and over I am not eligible for the XXXX private student loan forgiveness, as these loans were taken out between XXXX, my personal XXXX  score was under the amount based in the lawsuit and it met the qualifications. Based on my calculations, they have not returned at least $ XXXX {$1400.00} in overpayments for the garnishments, as well as at least $ XXXX {$26000.00} or more of the loans I had that qualified for this lawsuit. They have claimed to look into these, but have provided NO proof of their claims and my personal accounting shows I was over garnished AND eligible for a return of a lot of these loans that were settled once I closed on a home sale in XXXX of XXXX. 

So far this is also what I have learned : The Settlement was approved by the Court on Thursday, XX/XX/year> after a Final Approval Hearing on XX/XX/year> Since this settlement was approved, I have received nothing at all and I am eligible. Navient knows it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Kindly delete these inquiries. I am not aware of this matter, and the company acted without my permission.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently lost my job and have had to accept a part-time job to pay my bills... this isthe only source of income I have been able to obtain. My company has promised full-time status and pay AFTER I have completed my part-time trial period. I have also applied for several other very promising jobs ( in my field of XXXX  years ) where they have expressed interest in me, but I am still waiting for further communication from them. I suspect a big part of the difficulty is my age ( XXXX yo ). I have called Synchrony-Amazon to explain this, but the offsite, " customer support '' call-center people have ZERO training and ZERO ability to do anything other than take payments and bully you to make payments you can't afford even AFTER explaining the situation to them. Here are my issues : 1 : It has been impossible to find a customer service number for Synchrony-Amazon where you can talk to a company-based person who can actually help with this issue. 
2 : The monthly payments for Amazon are almost XXXX  % of the balance and keep accruing. 
3 : The Amazon credit website offers the option to sign up for temporary lower payment or payment deferment options... HOWEVER, when you complete the process it just says " request could not be processed '' without any explanation or comment! 
4 : Despite calling and explaining to the call-service my circumstances ( and that they are TEMPORARY ), they continue to hound me and call me and email me about my overdue balance ( which is constantly accruing ) asking for payment! 
5 : Even in the emails from Synchrony about my overdue balance the RE : line or title of the emails are : Let us help! We can work with you! BUT the links in the email send you straight to the call-service that immediately begins pressuring you to make the full payment of the overdue balance!!!!! 
6 : Even though my issue is with my Amazon account, Synchrony has closed two other low balance store cards that they own ( which I have stayed current on ) and trashed my credit even further than it already was. It will take me a LONG time to recover my credit score from this -- up until now I at least had a CHANCE to regain my higher credit score. I called about the card cancellations and the person " explained '' that they had reviewed my debt-to-income ratio and decided that I had too much credit.

I sincerely WANT to make my payments and honor my debts, however, I just need the understanding that my part-time EXTREMELY low salary is temporary ( it is barely enough for me to buy groceries and gas and to keep up with my car payments and car insurance -- I can't be without a car... or allow my payments to lapse because it is my lifeline at this point ).

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> i received a XXXX XXXX  lump sum settlement in my M and T checking account from XXXX. I went into a XXXX XXXX branch to make a withdrawal and was told by branch manager funds would clear the next day as he had verified the funds. On XX/XX/year> at XXXX i called M and T customer service department to inquire about a XXXX increase and the respresentative told me i would have to wait 7 days. Upon ending the call my online account was blocked and i was told by the fraud department that i needed to go to a branch so i went back to M and t XXXX XXXX branch and a representative at the branch called in to fraud department and got the block removed. I made a withdrawal from the bank branch and i made a XXXX tranasaction and my online account was blocked and i am blocked from making transactions AGAIN. I called m and t customer service and was told i needed to step into a branch again. On XX/XX/year> i went to m and t bank in XXXX XXXX XXXX XXXX and the representative called the fraud department to try and get the block cleared and was met with an email saying that i need to provide an ach paystub or statement with the recent deposit amount or they will not remove the block from my account even though a branch manager had called and verified my funds 2 days prior. I think i am being profiled as the person who did the block is a XXXX woman and it is clear by my XXXX name that i am a XXXX woman.

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 2024-06-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called to ask why my card keeps getting declined keep in mind theres still {$140.00} left on the debit gift card. When I called they said that my account was restricted and for me to be able yo start using it again it I would have to send them my social security and drivers license via fax. It felt like a scam so I refused to send them any information especially on a gift card that should be able to work anywhere you go. That was giving to me as a gift. I talked to a supervisor but this time she said I only need to send my drivers license via fax not my social security. This is a SCAM! I refused to send any personal information and told them I would be filing a complaint.

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