vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS

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 2022-02-03 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS

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 2022-02-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have made payments for the past following months for my account ending in XXXX. The first payment was made on XX/XX/XXXX for {$30.00}. They said they never received the payment but it was withdrawn out of my account. I had to go to the bank and get a letter saying I did pay it. They never took the amount off of my account. I then made a payment on XX/XX/XXXX for {$78.00} which again was never taken from my account balance. I made a payment on XX/XX/XXXX for {$130.00} and XX/XX/XXXX for {$29.00}. Again, none of this payments were applied to my account balance and Synchrony Bank is stating that I have not made any payments to them since XXXX. I have receipts and confirmations for all of these payments. They have since then destroyed my credit and have yet to fix anything.

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 monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to credit karma about these inquiries but they are ignoring my request to delete the inquiries.

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 2022-02-03 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: NY

Complaint narrative:
XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to XXXX XXXX about these inquiries but they are ignoring my request to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
XXXX XXXXXXXX XXXX  XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: AL

Complaint narrative:
I've been a victim of identity theft. The account listed should be blocked, removed and/or suppressed for this is fraudulent and/or inaccurate. Account : XXXX XXXX XX/XX/2015 {$0.00}.

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 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage purchased my home loan from XXXX XXXX in XX/XX/XXXX. This was during the time XXXX XXXX paid my XXXX ad valorem taxes with XXXX XXXX. Then, Rocket Mortgage assessed or calculated my property taxes, but excluded XXXX XXXX 's payment for my XXXX tax period. When Rocket Mortgage calculated my escrow analysis, it over calculated it, projecting an approximate {$200.00} increase in my monthly payments. I contaced Rocket Mortgage several times to correct error, and I was assured in writing that it would be corrected and my monthly payments would not increase. My XX/XX/XXXX payment just went through and nothing was corrected, my auto-payment was over the owed amount. I have attempted to rectify the situation, but no one at Rocket Mortgage is assisting me at all. My ad valorem taxes increased by a total of {$39.00} from XXXX to XXXX. This does not justify increasing my escrow payments by approximately {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Company names is Exeter finance I have been harassed for three years for a debt thats not mines I need this company deleted off my credit report immediately I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Upon receiving notification that a collections account was opened by Spring Oaks, the original creditor name, and the date being reported as when Spring Oaks bought the account rather than the date of the original delinquency, I submitted a dispute through the credit bureaus indicating what had been done. All bureaus reported it as being accurate and no change was made. 

On XX/XX/XXXX, I contacted Spring Oaks directly and spoke with XXXX XXXX at XXXX. She told me that the date of XX/XX/XXXX is correct and is the date of when the account was assigned to them subsequent to their purchase of the debt and that they do that for all of the accounts assigned to them. She further stated that as such they will not change the aging date on my credit report. When I asked the date of the account going into collections, she stated that it was XXXX, but didn't give a month. At this point she asked if I was calling to make a payment and would not answer any further questions or have more of a discussion. I told her that I appreciated the information and would complete my report to the CFPB and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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 — Problem with personal statement of dispute
Company: MoneyLion Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX of money lion, botj handled this dispute. Initial conversation via email warranted push back and disregard for my details toward complaint. As stated, 22 plus payments were made without issue to this company. At a point their company deemed my checking account ineligible for payment toward my account with them. A default selection was not offered nor were my attempts to utilize other methods of payment. I explained this that their was an issue on their end. Im XXXX I received a debit card from a company called XXXX in which I was successful making two payments on the third my payment was blocked again. I explained this several times to both XXXX and XXXX XXXX. 

I was given a basic response & disregarded after. They sent my account to charge off without resolve. Poor communication and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
On XX/XX/2022, I tried to make an international transfer to a friend. 
The transaction has gotten declined, and when I chatted with Moneygram I was informed that the transfer was flagged and my account was under review. 
Fast forward to XX/XX/2022, after unsuccessfully attempting to log into my online Moneygram account, I called customer service and was informed the account was closed and all active transfers were cancelled without any explanation or recourse to remedy the situation. 
I understand that for Trust and Safety reasons, companies aren't able to disclose details of issues, but Moneygram provided no explanations whatsoever and this is unfair and harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: RI

Complaint narrative:
When entering repayment in XXXX following in-school status and grace period, the servicer, XXXX XXXX XXXX , sent all notices/bills/correspondence to an address that I have never lived at nor had any association with and were making phone calls to a number I have never been associated with ( XXXX XX/XX/XXXX ). I contacted the servicer directly to inquire about billing and payments in XX/XX/XXXX, it was then that I was I was informed I was behind on my payments and directed into general forbearance. I was never informed that they had incorrect contact information for me. I was lived at the same address and had previously received correspondence about educational loan at that address, my promissory note lists the correct address, which remained my address through XX/XX/XXXX. I only became aware of this error on behalf of the loan servicer after requesting my full account history via a FOIA/Privacy Request in XXXX It remains unclear to me if my personal information was shared with a stranger. 

As a result of this servicer error, interest was capitalized to my loans and I was unable to make payments on my student loans that would have been considered qualified payments for XXXX. The interest cost of this error was passed on to me ( {$1600.00} in capitalized interest ). I have inquired multiple times as to why my basic account information was incorrect and the scope of disclosure of my personal information. I have never received an explanation. As a result of the error, I did not receive any correspondence regarding repayment and missed the opportunity to begin payment for XXXX  months. 

I have documentation to support my claim, it contains personal information and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: SC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I have spoken to this company multiple times and sent a letter not understanding the debt. They do not send anything back, they take the debt off for months and then randomly add it back on. I only received one phone call in XXXX when I asked for a debt validation and received nothing. I not received a phone call since. The reason for the debt is affected by natural disaster which doesnt make any sense, especially since the debt came up in 2019. None of this collection is accurate and I do not believe it is valid. I currently have an account with XXXX XXXX XXXX, when I have asked them, they have no record an outstanding balance.

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 2022-02-03 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I sent a letter to Portfolio Recovery Asso, LLC to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase was sent a check to pay off my car around XX/XX/XXXX, they received the check sometime after the XXXX. 


They were contacted by the buying car dealership to check in on the status Tuesday XX/XX/XXXX and said it will be applied shortly. Well due to this my monthly payment was late because I was told the payoff would cover it. 

As of XX/XX/XXXX chase has still not paid of the vehicle even though they are in possession of the check. 

Chase is unwilling to work in a timely manner or provide a solution while forcing me to continue to pay on a car I do not own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: NJ

Complaint narrative:
I applied for what i though was a " credit card '' in order to cover some car repair cost during the COVID 19 pandemic. I needed my car in order to get back and forth to work. I went to XXXXXXXX XXXX XXXX and they told me that the loan would be interest fee for the first 6 months. I ended up receiving the installment loan agreement in XX/XX/2021. I was not told that the loan would be paid weekly and have a daily accrual rate in the amount of0.45205 %. I financed {$1600.00}. They did not disclose to me the interest rate 164.54 %. I have been paying a weekly payment in the amount of {$63.00} for 51 weeks. I would end up financing {$3300.00}. This is abusive and i feel taken advantage of at this point. I am not working. I have called the company and spoken with the representative XXXX and spoke with XXXX the supervisor who was not able to help me however he did report that he would be escalating the problem to his supervisor that would try to resolve the issue. XXXX did her best to explain the terms of the agreement and reported that the store XXXX tire company should have went over the term of the agreements ( which they did not ). XXXX also reported that there should have been a electronic contact that was needed to be opened and signed on my phone which was also not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
The amount that was originally owed is growing interest. It is growing interest continuously making it impossible for me to ever be able to realistically pay the account off. I have attempted to resolve this matter with the debt collector it is my understanding that once placed for charge off the interest is to cease that has not been my experience with IQ International.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : DEPTEDXXXX XXXX XX/XX/2015 {$0.00}, XXXX XXXX XXXX XX/XX/2015 {$0.00}.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We have been getting an unauthorized charge from XXXX since XX/XX/2020 and PNC Bank will not help resolve the issue. In fact they just collude with the vendor. We contacted XXXX several times and they say they can not help without an account number. We gave PNC the transaction information listed on our checking account statement and request additional information about the charge. PNC 's reply was exactly the same information we gave to them, that is just what was listed on our statement and nothing additional. We requested the reversal of a charge and PNC then replied that their information showed the charge was correct. So only having the date and amount is all that is required to deny a refund. PNC 's despicable conduct would allow all thieves free access to all money. Additionally, the debit card being charged has expired yet PNC continues to pay with an expired card for transactions we want stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This account was open fraudulently.

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