vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Received a letter from Ally Bank today XX/XX/XXXX.That someone using my identity tried to open a account but was declined.

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 2022-01-05 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: NJ

Complaint narrative:
A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to Transunion, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on Transunion it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy. 
Thanks!

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 2022-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following information is on my credit report with TransUnion as a " hard inquiry ''. I have tried several times to get them to remove it. 

Name Requested On XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual TransUnion directs me to write the following address to have my information removed. 

po box XXXX XXXX, PA XXXX, please make sure you include your name, address the last four digits of your social security number and your file number. 

The credit card company is not aware of this address. 


Can you please direct TransUnion to remove this hard inquiry, and XXXX XXXX XXXX XXXX XXXX to tell TransUnion to remove this hard inquiry. XXXX XXXX apparently has only one person that works for the entire 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 2022-01-05 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
on XX/XX/XXXX i was approved for a {$5000.00} in store purchase loan to be financed at 0 % interest through XXXX XXXX Furniture through Synchrony bank, i spent the entire {$5000.00} in the store and paid my sales taxes with my debit card from my bank account so the taxes would not interfere with my loan amount, a month later XX/XX/XXXX i get notified that my credit score dropped from a XXXX to XXXX for a {$75.00} dollar charge called " called Card Security services '', i was given a toll free number to call ( XXXX ) as i spoke on a recorded line i explained that my credit score took a large hit due to them reporting that i went over on a {$5000.00} by {$75.00}, i explained to them that i didnt need credit card security because i spent the " ENTIRE '' approved amount in the store and paid my own sales taxes, i called and spoke with several people and explained the situation, this false reporting impacted my credit score and they have yet to inform the credit reporting agencies that they made a mistake, i have waited almost an entire year for this situation to be fixed and they have yet to do so.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I was planning to move out, I went to the leasing office and discussed with XXXX XXXX for a date for a room cleaning check. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms and appliances very clean and spotless. A young gentleman, leasing office staff came to check and were very satisfied. 

But after I moved out, I received a bill with a charge for carpet {$70.00} and cleaning {$160.00}. Because all room and utilities appliances very clean, they can not charge me for that. 

I sent a email regarding this charge to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX Customer Care Specialist, and XXXX XXXX, XXXX Customer Care Specialist, but all they didnt respond. 

XXXX sent this bill to collections company Genesis Credit Management LLC. I sent many email to Genesis, but Genesis never reply my email. Genesis constantly call my phone. 

I didn't owe anything to XXXX XXXX XXXX. In additional, when I moved in, the room didn't clean up and I find people to clean the room. XXXX XXXX XXXX didn't pay me the cleaning fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: TN

Complaint narrative:
I have paid my home mortgage in full, I received a letter saying that it is paid in full, on XX/XX/2021. Later in the month I received a phone call stating I still owed {$150.00}, because I had to stop payment on a check. I asked if the {$150.00} would take care of everything. I was told it would be a XXXX XXXX. Next I received a Partial Claim Agreement to be notarized and returned to New Day, for a Hardship Loan. I called the number XXXX, someone stated I owed {$30.00} fee. I questioned that because I was told, the {$150.00} was all that was outstanding. 
I asked to speak to a supervisor, but was not allowed to speak to anyone. 
I called back later in the afternoon, spoke to XXXX XXXX. She said she considered the loan paid off, I had a letter stating that and to disregard the Partial Claim Agreement. 
After that a XXXX XXXX called about the Partial Claim Agreement, about mistakes that may have been in the agreement, something to do with VA loans. I did not understand what he was talking about or why I received the Partial Claim Agreement, since I considered my loan to be paid in full. 
I called New Day to follow up with someone, I talked to XXXX XXXX XXXX, she again stated there was a {$30.00} outstanding fee. I would pay the fee if that was the only thing owed. She put me with XXXX XXXX XXXX to pay the {$30.00} fee. I was not able to pay the fee. XXXX XXXX XXXX, New Day, I. XXXX XXXX XXXX, phone number XXXX. He confirmed that I tried to pay the fee of {$30.00}, but was not allowed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I mailed a payment of {$11000.00} on XX/XX/21 but it has not been applied to my account. Please investigate as the check cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is attempting to collect a debt that is more than XXXX years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

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 2022-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

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 2022-01-05 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: AZ

Complaint narrative:
The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are 3 different accounts listed for XXXX and Experian I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is 9 however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. Experian shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My cardmember agreement provides a cash back reward of 5 % on mobile phone charges paid by the card. As it is generally the only charge I make with the card, the statement and rebate numbers are typical from month to month. There were errors in the percentage of cash back in XX/XX/XXXX, XX/XX/XXXX in which I only received a 1 % rebate. I contacted them in XX/XX/XXXX and was told it would be taken care of and my account adjusted. This was never done. I was lied to. The same thing happened on the XX/XX/XXXX statement where I only received a 1 % rebate instead of my normal 5 % rebate. I just spent several hours on their chat to no avail. We have used this method for payment of the phone bill for many years and it is obvious that the error is on the part of American Express. I am being told by Amex that there is NO error on their part. They are in breach of their agreement with the cardholder. If they are stealing from me, I am sure they are stealing from other cardholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I have received 40 call attempts in a XXXX hour period from XXXX XXXX on XX/XX/XXXX and 32 call attempts on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am trying to get a medical bill off my credit report. I did not give the hospital permission to sell my information to a third party. I keep telling the credit bureau to remove it but it has yet to be removed. This is a matter that my old employer is responsible for this bill. The company is XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and delete the disputed items as soon as possible.

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 2022-01-05 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: PA

Complaint narrative:
I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft.

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