vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have an account with PayPal Credit ( Synchrony Bank ). I have a transaction that has 6 months no interest. it started at {$4100.00} I have made numerous payments over the minimum and the balance is now {$1300.00}. I payed {$900.00} then a week later I paid {$300.00} as well as {$75.00} every week. Not one XXXXXXXX  has been applied to that balance, its all going to other places that are on monthly programs ( 24 equal payments ). I have called them and asked why its not going toward that and they tell me that I must meet the minimums on all programs first ( {$100.00} ) but even at that, nothing was applied to that other purchase.

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 2023-11-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Dear friends, I am coming to you because I am running to a situation that I have never encountered before! 

Hi, My name is XXXX XXXX and I am a resident of Maryland and a XXXX citizen living in XXXX MD and my phone number is ( XXXX ) XXXX I have a CD account with Ally bank. the principal in the CD account is {$78000.00} and account number is ending in XXXX I am taking a trip overseas to visit my uncle that is XXXX XXXX in XXXX so on XX/XX/XXXX I called Ally bank and asked {$1700.00} out of {$1700.00} that was accumulated in my account as interest to be sent to me. At first the teller gave me a hard time and said you have to wait until XXXX and it seemed that he did not know what he was talking about and I do not have any arrangement for periodic disbursement of my interest so I asked for a supervisor and she said no problem a check with XXXX send to you ... .by the way at the beginning of each call it says you will be recorded so I am hoping that there are copies of these recorded conversations. 

I waited for a week and called back to check on status of that check and this time the teller tells me " a check for {$670.00} has been sent to you '' I said I requested {$1300.00} where is this new figure coming from? She says I do not know. I asked her to cancel that and send me a check for {$1700.00} please she put me on hold for a few minutes and says okay. I put an order in for XXXX with fees waived. you should be getting a check by Wednesday before XXXX or Friday after XXXX day. 

On Wednesday XX/XX/XXXX I call to check on the XXXX mail status and I found out that no XXXX mail has been sent. I asked a compliant to be open and a manager call me but no one called me. 

On XX/XX/XXXX I called again and the lady teller would not give me straight answer weather a check has been sent or not so I checked my account and I see that again they have altered my principal in the CD and it has gone from {$78000.00} to {$79000.00} and there is only {$9.00} interest in my account. 


I don't know what kind of game this bank is playing with me and my account. It appears that they are acting in a lawless and arbitrary manner and talk liberty with a client account and I am extremally concerned plus I need my interest for the trip that is coming up very quickly. The number for Ally bank is XXXX Please help me. Thank you XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me. 
After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: VA

Complaint narrative:
On today I had XXXX dollars direct deposited in my account through chime spot me program I recieved a XXXX dollars spot me. Well today my money was taken to cover my XXXX dollars spot me but my chime was changed to XXXX dollars which I couldn't get access to the XXXX I needed for food. I wasn't notified of this change and I've had the same direct deposit for well over a year and my spot me had never changed. All of a sudden they change the spot without notice and I'm out of money no money no food the supervisor XXXX she understand my concern asked did I recieve notifications I informed her I didn't and she apologized and said she would fix it give her 3 mins I stay on the line the call somehow gets disconnected I call back and no one is trying to fix the issue even though the conversation was recorded and she said she will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent requests to Experian, XXXX and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made a request about this account as FCRA says, and XXXX  couldnt provide information about this account 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a request about this account as FCRA says, and XXXX  couldnt provide information about this account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
these inquires are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE ACCOUNTS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties XXXX I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in the year of XXXX the peak of COVID-19, I was approved for a loan at Check N Go for {$4500.00}. Since then, life has not gotten any easier. I have not had any sort of stability which made it difficult for me to receive updates as it pertains to this loan. 

I want to help, and I want to make things right but financially I am in no position to take on an extra monthly expense because I am barely making ends meet. 

On XX/XX/XXXX it was brought to my attention that a creditor was trying to get in touch with me and wanting to seize wages. My being scared from the constant threats to garnish what little wages I have I agreed to a payment arrangement that I genuinely can not afford. 

I am asking for more time and grace so that way I can start making payments towards this loan from XXXX Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Repeated phone calls from the same company ( Comenity Bank ) using many different phone numbers. This same company has also been calling using a no caller ID plus unknown caller They have been calling my phone number every single day including XXXX and XXXX since XX/XX/2023. They have also been calling me repeatedly each hour or two hours each day for the last 5 days from XX/XX/2023 until current day of making this report on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX was and account closed on XXXX, and never been late, they did not sent me any proof of this or any documentation about it..

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
My loan was being serviced through Freedom Mortgage ( XXXX # XXXX ). On XX/XX/XXXX I received notification that my loan was being transferred to XXXX  ( XXXX XXXX XXXX  ) effective XXXX XXXX XXXX. In the letter it stated that my loan terms and payment would not change, everything would remain the same except a new servicer would be collecting my mortgage payment. In the letter it restated my loan amount, interest rate, escrow payment, etc. My monthly payment was $ XXXX. 

On XX/XX/XXXX, XXXX drafted {$1400.00} from my bank account. I called XXXX on XX/XX/XXXX to find out why a different amount was drafted, XXXX stated that {$1400.00} was the information they received from Freedom. I asked for their documentation but they said they needed to get additional documentation from Freedom, to confirm the {$1400.00} payment. The XXXX representative mentioned that my escrow account increased but couldn't say what - property taxes or insurance. 

To date I have never received any documentation for my mortgage payment increase from FREEDOM or from XXXX. XXXX stated that they haven't received any documentation, that they are willing to share with me, as to why my payment has increased, but have put in a request from FREEDOM. 

I spoke with XXXX today, XXXX and my account has been sent to an escalation department and someone will be working on my dispute. XXXX stated that they would put a stop payment on my auto draft until this can get resolved. 

My concern is that even if my mortgage payment increased over XXXX XXXXXXXX due to escrow analysis, why was I never informed? That is a direct violation of RESPA. 
Also, what caused a XXXX XXXXXXXX increase? That is a fairly substantial increase.

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 2023-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Unable to use American Express gift card online, Card keeps declining even though it's active and the balance is available, I tried multiple gift cards between {$600.00} and {$1000.00} on major shopping websites like XXXX and XXXX. 
Every time I try make a purchase, the card declines, there's sometimes a 10 cent pending charge when I check the balance on XXXX 
I contacted American Express customer service but they are unhelpful as they keep telling me it's a merchant problem not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under 15 U.S.C 1692G I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from XXXX asking if it was really me who sent the letter.

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 2023-11-28 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: EdFinancial Services
State: CA

Complaint narrative:
Ed Financial cashed a check for {$7400.00} from my XXXX plan on XX/XX/XXXX. This money was never applied to my loan. I have a copy of the cashed check by their institution. In the last 40 days and several calls to customer service, ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) the only answer I receive is that they dont know where the money is. Customer service clerk is XXXX and XXXX XXXX ) I will need to provide proof at the end of the year taxes that this money was applied to Education and that loan was payed. Ed Financial is offering no assistance and simply states they dont know where the money is.

Company response to consumer: Closed with explanation