vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received notification of several withdrawals in my account to XXXX. Two where automatically refunded than taken again. For a total of {$3800.00} I attempted to file fraud on the transactions and they closed my account. Since the account was closed I have no way to contact anyone at the bank about the fraudulent charges. Only XXXX was included in the fraud. Another {$2000.00} to XXXX was made and they would not allow me to file on the account. I receive XXXX from the department of veterans affairs and the bank is stealing protected income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX has, on a regular basis omitted correct information updated on other credit reporting agency sites. 

They have willfully and deliberately left correct information off my credit file that reflects the correct and valid status of two accounts. 

I have sent them information via Text, XXXX Page Post, and Direct Dispute on their XX/XX/XXXX Site, to NO AVAIL. 

This Agency is to update credit file information in a timely, correct, and factual manner. They have NOT and continue to NOT do due diligence to ensure this is corrected. 

The FTC is VEY clear on this and I have requested {$4100.00} x2 for the errors on their site in a written response, to NOT hear a thing back or have the information corrected. 

I will attach my correspondence and I FULLY EXPECT a check for {$8200.00} tendered to me directly and promptly. This is the FTC/CFPB responsibility to ensure those FINES are tendered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: GA

Complaint narrative:
I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: NV

Complaint narrative:
From XXXX to XXXX we had XXXX XXXX XXXX at our home in XXXX XXXX. That term was covered by a contract. Once the contract expired we tried to cancel the service as we were no longer happy with the service. They advised us that we had to cancel in writing, which we did in XX/XX/XXXX. Since we didn't hear from them again we assumed that was the end of it. We sold that house in XXXX. 

Fast forward to XXXX, and we see an item recently sent to collections on both my wife 's and my credit report from a company called Mountain Run Solutions, a debt collector, alleging that we owe them {$480.00}. They claim via the credit report entry that they filed in XXXX. They did not, as my wife and I qualified for a mortgage at 2.5 % in XXXX, which would not be the case had they done so. 

They claim we didn't cancel our XXXX agreement properly, and that the {$480.00} is fines and penalties.This is false, as the intervening time clearly proves. We have repeatedly asked them for proof of the debt, and they refuse to provide it, instead sending us only a copy of our contract, which clearly shows the term as being XXXX. XXXX was subsequently bought out by XXXX, but our calls to XXXX for proof result in our being sent back to Mountain Run Solutions. 

We checked the XXXX and there are hundreds and hundreds of complaints just like ours. It appears Mountain Run Solutions is running a scam, and hiding behind the pandemic to do it, counting on less oversight by yourselves. 

We insist that this intentional, extortive error be removed from our credit reports, and that Mountain Run Solutions be properly sanctioned for dishonest business practices. Their malfeasance has already inflicted financial harm to us. My wife had a credit card cancelled, and I had a credit limit lowered as a direct result of Mountain Run Solutions criminal actions in this case. You will almost certainly be getting hundreds of complaints about them that will seem very similar to our own. 

Please take action to put a stop this.

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 2021-03-06 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: IL

Complaint narrative:
I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from Fed XXXX XXXX to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXX credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my Transunion credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXX. On my XX/XX/XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXXand Transunion. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: IL

Complaint narrative:
I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XX/XX/XXXXto the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXXcredit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XX/XX/XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXXOn my Equifax credit report, in the payment history, it is reporting XXXX dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXX and XX/XX/XXXX I contacted the Us Department of Education Default Resolution over 15 times in the span of XXXX years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX and a XXXX  service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XXXX XXXX XXXX  to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my Experian credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by Experian. On my XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by Experian and XXXX. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to dispute this account over and over again with both Transunion and XX/XX/XXXX The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
In XXXX, I transferred the balance owed to a no interest credit card. I took the amount from my personal page right down to the penny and transferred the entire amount. Now, they're trying to tell me I still owe {$64.00}. I told them to come back to me with aXX/XX/XXXX balance or I would report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX aka Cash App has froze my account XX/XX/2021 with my money on it. I can't send money or buy bitcoin but I can receive money .... I tried contacting via email because there is no live people and there response is my account is frozen and there is no further information they can give me ... I emailed about 20 times and now they will not respond. I can't take my money out I can't close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Even though Ive paid off all my loan and credit card balances Equifax is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also XX/XX/XXXX has addressed for me listed in XX/XX/XXXX although Ive never lived in XXXX in my entire life. Equifax refuses to remove it. I reported this numerous times over the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I sent {$1000.00} USD from XX/XX/XXXXXXXX Wise 's partner ) to my Wise USD account on XX/XX/2021. On XX/XX/2021, XXXX sent me an email saying they were closing my USD account. Wise did not provide a reason why they were closing my account. Wise has said they will be holding my money for a minimum of 60 working days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I reported to synchrony XXXX in XX/XX/2020 after looking at my credit report after I found out all of my information had been breached and several accounts and hard inquirys were done without my consent. An FTC report and a police report were both reported and made in XX/XX/2020. I have reported it them as well and submitted all documents asked for. They asked for no further information. XXXX has taken this off of their reporting agency. While PayPal had no contact info to me relating to this account and refuses to close the account and label it is fraud. All I know is it is less then {$800.00}. I never received statements and I never paid for a bill, I only learned about while looking at my credit report in XX/XX/2020 and at that time the account was only 30 days late.. so i asked them who had been making the payments on the account since it was me and at the time they stated, they could not give me any information regarding the account because they can not verify me. I have made numerous calls now, as experian has taken off of my credit report as identity theft, but because commeninty XXXX is not closing the class it still 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 2021-03-06 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: CA

Complaint narrative:
Even though Ive paid off all my loan and credit card balances Transunion is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Transunion has addresses for me listed in XXXX although Ive never lived in XXXX in my entire life. Transunion refuses to remove 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 2021-03-06 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: MN

Complaint narrative:
There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims XX/XX/XXXX fraud/account fraudulently opened. Please remove this data from my credit reports. 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 explanation
Consumer complaint received 2021-03-06 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: MN

Complaint narrative:
There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims true identity fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: WA

Complaint narrative:
I received a letter from I believe Equifax requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the Equifax data breach and my life has never been the same since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: OneMain Finance Corporation
State: MI

Complaint narrative:
1. ONEMAIN FINANCIAL 2. XXXX XXXX XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was pre-approved with PenFed Credit Union for an auto loan ( $ XXXX, 72-month term ) at 2.99 %. I was purchasing a used vehicle private party. XXXX sent me a 2-party check to complete the vehicle purchase and fund the loan. I was contributing my own money on top of the loan to purchase the vehicle. 

To complete the transaction I gave the seller both the $ XXXX PenFed Check and a $ XXXX cashiers check from my own bank account ( total of $ XXXX ). Days later ( after Id paid {$2000.00} to ship the car ) PenFed called me and said ( a ) the rate would actually be 3.99 % because it was a used vehicle ( 2020 model year ) and ( b ) that they would not fund the check they had given me because it was a private party purchase of a vehicle that had a lien on it with the seller ( that they were paying off with the sale funds to give me a clear title ). 

None of the was explicitly disclosed to me up front, and put me in an enormously bad position of having paid partially $ XXXX for a car and $ XXXX for shipping and had the loan yanked out from under me. I ended up drawing from my saving to pay for the full purchase price with my own funds to salvage the deal. I felt bait an switched and the PenFed was all to eager to give me an approval and check up front and decide later if they would actually choose to make good on their promise, and it screwed me.

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