vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the Equifax Credit Reporting Agency on XX/XX/XXXX to try to get a credit freeze and their phone menu did not work. It collected all my personal information and then when it asked questions about previous employers and creditors, the menu did not accept my responses and went into a repetitive loop and finally disconnected me. 

When after much convoluted effort, I was able to get human beings who said they were in XXXX, they both had XXXX XXXX accents and not a XXXX accent. I hung up. 

This is a very suspicious scenario, because Equifax was apparently hacked in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2021, I purchased two pairs of Sconces from XXXX XXXX XXXX who lives in XXXX. I sent him {$1600.00} ( XXXX Euro ) to his bank account ; XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had sent him money last year about this same time using Monegram without a problem and received my items several week later. To date I have not received the items and the seller does not respond to my emails. I contacted Moneygram with regard to this and requested they contact the seller and refund my money. They have refused to assist me and cancelled my account with Moneygram implying that I was part of a fraud. I explained to them that it appears i am the victim of a possible fraud and scam but they refused to assist me. I have also sent a letter to XXXX XXXX in XXXX XXXX where the money was sent in the hope that they can assist me Attached are documents supporting this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have contected Fed Loan Servicing on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ) to get a manual recount of specific ineligible payments and they have never responded. Can you please request a manual recount of specific eligible payments? 

Thank you and I look forward to hearing from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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 am covid protection still have all the original letters and this company is reporting. The negative payments contradicting the covid statis

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 2021-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: KS

Complaint narrative:
We refinanced our VA loan, The Money Source purchaced the note. We then changed insurance companies, these are things that should be no big deal. But The Money Source 1 ) overpaid insurance company approximatly {$700.00}, and said we were approximatly {$2400.00} in arrears to the escrow account. We called upon recieving the information when we logged in to make the mortgage payment. They told us that it was due to insurance and taxes. We made an extra {$1200.00} payment to help, and now we owe {$2600.00} ( approximatly ). We called back and asked for explinations, got the run around and they finally admitted to overpaying the insurance. ( 2 ) The Money Source still shows us with a {$0.00} balance in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: MT

Complaint narrative:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

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 2021-08-15 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: DISCOVER BANK
State: CA

Complaint narrative:
They closed my account saying they couldnt verify personal information. I dont know what it was but I think it was something to do with the 4506-c form. I signed it but I dont know what information couldnt be verified i would gladly verify as I want my discover credit account reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: MT

Complaint narrative:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

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 2021-08-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/2021 an inadvertent late posting was posted to my mortgage account, when I contacted XXXX XXXX Corporate they corrected the incorrect late posting, I subsequently reviewed my credit reports with XXXX, and I discovered multiple unauthorized and/or fraudulent inquires listed on my credit reports. I contacted the Credit Bureaus and explained I may be a victim of identity theft, these inquires are not mine. After contacting the credit bureaus, I discovered in XXXX the credit bureaus were now reporting me as deceased and froze my credit profile, now in XX/XX/2021 I discovered a new fraudulent account ( Ally Financial ) listed on my credit reports. I'm XXXX years old, this has been extremely stressful and emotionally draining. I'm reaching out to the CFPB for help, I've contacted the credit bureaus about the fraudulent inquiries and Ally Financial and they have not removed this incorrect/fraudulent information from my credit reports, also Ally Financial has been unresponsive to my disputes of this fraudulent posting on my personal credit profile.

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 2021-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
Physically went to the local branch to make what I thought would be the last payment only to reread the statement which indicated that the loan had been extended to XX/XX/XXXX ( I was making XXXX payment ). I asked the teller why it was extended which she then stated she couldnt access that information and that she would have to contact the research department. She would then contact me. In XXXX, I went back to the local branch and the teller stated that she dropped the ball but would contact the research department that day and get back to me. When she did, she said that the person from the research department stated that it was due to past hurricanes. I didnt accept that and waited to get information from the personnel there what agency I could contact to get to the bottom of the why it was extended. The head teller (? ) gave me the branch managers business card and instructed me to contact him the following week. Due to vacation plans, I didnt touch base with him until I returned from overseas. 

The local branch manager looked at the records available to him and commented that he could see 2 payments applied directly to interest. He went on say that he would be contacting the manager of the branch that prepared the loan originally. I waited a while and called for the status. The branch manager said that he had an email from the manager of the originating branch in which she indicates that there were 3 authorized skip-a-payments during XXXX - XXXX by my husband which I doubt as he was not one to handle the household finances but I am willing to give her the benefit of the doubt. After a few more phone calls to get status updates, the local branch manager said that the manager of the originating bank would call. I asked him to give my cell phone number to the manager of the other bank and also to let her know that she could leave a voicemail message on the phone and Id be happy to contact her. To date I have not heard from her. 

Please be advised that I have made payments up to and including the XXXX one. There is still a small balance left, my credit score has been lowered because of late fees being applied as I continued to try to get answers, FYI-the local branch manager said he would cancel the one from XXXX but then retracted that saying he was not authorized to do so and that the manager of the originating bank would have to approve that action and he could only request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After a 7 week free trial, of something called XXXX XXXX, XXXX sent me an email stating the free trial was over and charged me {$180.00} on XX/XX/XXXX. I had thought it was for an app I had recently used, but was mistaken ( although unknown to me at the time ). 

A lot was going on at the time due to moving XX/XX/XXXX, plus personal injuries sustained in a car accident. 

I was extremely busy when the free trial expired, so I forgot to cancel until the day after I saw a XXXX email stating they were charging me. 

The same day I saw the XXXX XXXX, I contacted them online to try canceling the charge. There was a lot of confusion. XXXX agents couldn't explain to me what XXXX was, and I could only guess at what I thought it was. My conversation was online via phone, and it got dropped when I tried following the agent 's instructions. 

XX/XX/XXXX, case # XXXX was opened and supposed to have dealt with the issue, but it never got resolved because the agent didn't put in the information. 

XX/XX/XXXX I received an email from XXXX stating the case was closed, so I thought the refund would be in process. 

XX/XX/XXXX at XXXX XXXX., I spoke with a XXXX agent at XXXX. The agent stated the charge was for IT technical support and is an online subscription for small to medium size organizations. I told the agent I am not a business, and I've never used tech support for my home computer. It would be easier to simply reset to manufacturers settings. 

Finally, I was able to contact an agent, XXXX, who stated the refund shouldn't be an issue, and that she saw the prior agent had neglected to issue the refund. 

Santander has continually denied the refund, even though XXXX agrees I should never have been charged, that an error occurred on XXXX 's part. 

XXXX, the last Santander rep I spoke with on XX/XX/XXXX at XXXX XXXX. stated the reason I was denied was because I waited tooo long to notify XXXX of the charge, even though I provided Santander via email with evidence showing I originally contacted XXXX the day after the charge was applied to me. 

This has been an exercise in frustration and futility.

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 2021-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I audited my credit reports, saw that this company, National Credit Systems reporting an alleged debt on my reports. Never have I received a dunning letter from this company, and never have I done any business with them. I sent them a certified letter on XX/XX/XXXX demanding that they validate this alleged debt. As of XX/XX/XXXX, I still have not received anything from them. Furthermore, I am not liable for this debt with The XXXXXXXX XXXX XXXX XXXX XXXX. To add insult to injury, I do not have any contract with this company, National Credit Systems, and they failed to provide me with the legal document that I demanded that they send me. 
Account number : XXXX XXXX : {$420.00} Date opened : XX/XX/XXXX I demand that this company delete this account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are numerous inquires on my Experian Credit Report that I did not consent to nor authorize. 
1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. US sm bus admin - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/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 2021-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A blow to my credit score took place under a unauthorized, unaware of hit of a car loan for a vehicle I've never thought existed

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 2021-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20 I deposited {$1500.00} in my Bank of America checking account. The same day I noticed a withdrawal for {$15000.00} account and I called the claims department from Bank of America. They responded closing all my accounts. Checking account, savings account with {$10000.00} and business account with {$2000.00}. As today, I just received a check {$2000.00} from my business account. I called multiple times and nobody has a response to me. I was really affected because during this month I was unable to pay all my monthly expenses. I need to receive my money back and nobody explained to me what 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 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Diversified Adjustment Service, INC illegally obtained my personal information and now they are stating that I owe a debt in the amount of $ XXXXDiversified Adjustment Service, INC did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act,15 USC 1692g Diversified Adjustment Service, INC must comply with validation request.

Diversified Adjustment Service, INC are also reporting invalidated information that I have requested them to validate.Diversified Adjustment Service, INC are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but XXXXXXXX XXXX  will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. XXXX XXXX has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline 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 2021-08-15 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
AAFES/MILITARY STAR has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but AAFES/MILITARY STAR will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. AAFES/MILITARY STAR has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline 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 2021-08-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
XX/XX/XXXX NetSpend XXXX XXXX account department has been texting my phone with balance from other customers account. I closed NetSpend XXXX card because of VA benefits stolen. Back in XXXX. NetSpend XXXX has been texting me balance and acct action from debit card purchase last text XXXX afternoon XX/XX/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 2021-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was able to create an account with TransUnion but they say they weren't able to confirm my identity and provide no options to rectify the situation. The only customer service channels offered are XXXX XXXX and XXXX and I don't use either. I'm trying to place a credit freeze because my SSN was leaked. They are required to provide this service and I shouldn't have to create accounts with third parties to have it done. I have frozen with the other agencies with no issues.

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