vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to dispute the following information in my file. Account number- XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to dispute the following information in my file. Account XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of Amer XX/XX/2021, XXXX XXXX XXXX XX/XX/2021

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 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
In XXXX  XXXX, I submitted my application for XXXX to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both XXXX and FedLoan Servicing to get an update in the status ; however, neither institutions are able to give me XXXXspecific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. XXXX sent me a copy of my payment history but it does not indicate XXXX payments or the eligible payments under the government pandemic forbearance, and FedLoan Servicing indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
request for " Description of the procedures of re-investigation '' was received by Experian on XX/XX/2022 for XXXX accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15days. I do not give consent to extend this time. 

in addition my Full Experian File was requested

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: IL

Complaint narrative:
I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: AL

Complaint narrative:
I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in 60 days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff two weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is Real Time Resolutions on behalf of XXXX XXXX XXXX XXXX XXXX. I just want to be done with XXXX XXXX XXXXXXXX, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello, I have been trying to removed these companies I have no idea about how I owe them money. They are updating wrong information on my account like I just opened an account. It is frustrating to see how your name got attached to things you have clue about. I asked them to send me proof they are sending statements. Which is totally wrong information. Things I have no clue about. Please look into my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Hello. I am making this complaint against Crypto.com for their negligence. On XX/XX/XXXX, there was an unauthorized transaction made on my account. At this time, I was unable to login to my account ( Someone logged me out and changed my pin ). After I got in eventually, I saw that my money was transferred from my initial investment into XXXX and then into XXXX and withdrawn to a wallet that is not mine. I notified crypto.com through their chatting support system ( thats all they have ). I sent them proof and after the relevant department finished their investigation, they decided that nothing happened and they will do nothing about it to help me. After this, I go online and find out that there was a company wide hack that happened AT THE SAME TIME this transaction was made and my money was stolen. Many crypto.com users were affected. Why was I not notifed about this hack? Why was I not notified when this unauthorized transaction occurred? and why are they not willing to admit that I was affected by it? This is no coincidence that his hack happened at the SAME EXACT TIME that my money was taken and crypto.com is unwilling to take any responsibility. truly the worst crypto currency app ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have had numerous people try to send me a reimbursement from the Paypal app or website. Paypal defaults to payments for " goods and services '' which takes a percentage of the payment. The default is confusing and tricky to fix. When they mistakenly do not toggle this off, the wrong amount is received because of the fees. When I return the payment to have them try again, Paypal still charges a fee to the sender because of the original selection. This happens over and over again, and the fees just keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am writing to dispute the denial of my approved modification, for multiple reasons. 

* Selene was mailing documents to the wrong address ; you had my address listed : I was not informed in a timely manner that my loan was transferred from XXXX to Selene, I never received email, mail, or a phone call to notify me of the transfer. The first contact I received was mailed on XX/XX/2022. 

A payment was supposed to be drafted from my bank account on XX/XX/2022, and was not because the Selene Agent I spoke with via telephone entered the account number incorrectly. My account ends in XXXX, and the agent entered XXXX. 

* On XX/XX/2022, I received correspondence ( dated XX/XX/2022 ) that my account was now in default, and I called on Monday, XX/XX/2022. I spoke with an agent I believe it was XXXX and explained the situation, and let her know I would have my bank mail a check to Selene. I got paid on XX/XX/2022, and XXXX XXXX  sent a check on XX/XX/2022. On XX/XX/2022, I called and spoke with a different agent I believe XXXX, to figure out what happened to the check I mailed. I was informed the check was returned. When I received the correspondence dated XX/XX/2022, it stated as the payment is less than the agreed-upon amount required to cure the default on your loan, was not certified funds, or was not the agreed-upon amount. I was told to send the final payment in the amount of {$540.00} which was the agreed amount from the modification from XXXX, nor was I told to send certified funds. The letter also stated, we have been trying to reach you in reference to reference to this payment. The only contact was via letter, with no phone or email attempts. When I spoke with XXXX, I asked for the contact information for my Assigned Loan Resolution Consultant, but she could not provide the information requested. I am asking again who is the Assigned Loan Resolution Consultant, and how I contact them? 

In closing, I attempted to make the 3rd payment both attempts were made within 60 days of my initial contact from Selene which was on or about XX/XX/2022, when I received the correspondence dated XX/XX/2022. All I am attempting to do is save my home and have the modification agreement I had in place honored. Again I ask that I receive any and all communication via electronic mail, as phone and USPS to date have been ineffective. 

Thank you and I look forward to a timely response. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 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: NC

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. Chrysler Capital now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and Chrysler is adamant that I owe this money from some vehicle service contract with a Company named XXXX XXXX I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometimes on XXXX, XXXX, I recently received a collection letter from CREDENCE RM, trying to collect on an alleged debt with XXXXXXXX XXXX XXXXXXXX I need this collection to stop contact me regarding this Debt because it's not mine and it needs to be remove from my credit report, because it is part of an issue with Identity Theft and that account has been re-inserted. That account was disputed on Identity package that was submitted XX/XX/2020 ( See attachment ), I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
In XXXX I called Indigo XXXX aka Gensis Bank, advised I was going out of the country to XXXX and provided the dates. Shortly before my trip ended on XX/XX/2022, my card would not work. They took payments but my card would not work. I called, I was told by a csr my card had a fraud alert and not to worry they would release the alert in 24 hrs. Since XX/XX/XXXX, I have called a total of 15 times if not more. I have been told my card works, no hold, there is a hold, a block is on the card, a new card has been sent out, a new card hasnt been sent out and ultimately escalated my issue several times to an account manager. I requested a new card be expedited and that took 4 days and advised that it would be 3 business days for an answer upon calling, on day 3 Account Manager named XXXX employee ID # XXXX, said oh yeah I will call you back today and that I had to wait. No call back was received on day 3. I received a call back from a XXXX he stated no phone number or extension made no attempt to help me. So I call back and speak with another account manager he states my card has a block and can send me a new one in 15 days. Absolutely unacceptable. No one at this place took accountability, gave out consistently wrong information and made no attempts to actually help me. They are located in XXXX and the XXXX, Im scared these people are selling personal information. 30 days I tried to get what should have been an easier solution but instead was given the round around, wasted my time my energy, while they pretended to care and figure out the issue. Id like to report this company as in this time frame they took my money with no problem, and fraudulently advised wrong information as to the status of my account. Their online system is of the dinosaur age, no notification that my card didnt work, no text message no follow up by phone, email or mail. This company needs to be investigated. I find it interesting my credit had shoot up, my other card with XXXX two credit increases and low APR. Indigo with Genesis never changed my credit limit nor adjusted the APR. I 100 % believe they are scamming and selling information of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have contacted PayPal three times since XX/XX/2022 regarding an unauthorized transaction that occurred on XX/XX/2022. The first call was initiated within 15 minutes of the unauthorized transaction for an amount of {$1000.00} I notified the representative that this was a fraudulent transaction and was not made by myself. The next day while following up I found that the previous agent had not even opened a dispute case. The next representative assured me he would take care of this for me, HE DID NOT, he instead marked this dispute as item not received. None of the reps were able to speak proper English or transfer me to a representative in the United States that could. This has caused my checking account to become overdrawn and encour NSF fees by my financial institution. I was told I would need to wait 10 days, this is unacceptable. I have been a customer of paypal for over 10 years and this level of customer service is unacceptable. My confirmed address has even been changed for this transaction which is a clear sign of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I initially purchased something online at XXXX  and it never was sent out and shipped even though company said they did. However XXXX XXXX  told me the ship number initiated at shipper but never was handed to XXXX XXXX. So with that being said I contacted credit card company milestone and told them I wanted a reversal on charge. They said they couldn't help me yet but to call back in a week and they will see what they can do. A WEEK! I just closed account at milestone but now have no help on charge for something I never got

Company response to consumer: Closed with explanation