vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

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 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In XXXX of 2017, I moved back home to my parents house and had my wifi transferred over. Within a few days of me moving back, a technician came out to wire everything in the house. A week or so after everything was connected, I tried to access XXXX using the wifi and I was no longer able to so i Called XXXX XXXX XXXX and asked them why my internet was disconnected and they told me that I had called and asked them to disconnect the internet, which I never did and they have no record of that. On top of that, the wifi box was mounted on the wall and XXXX XXXX XXXX has it written in black and white that mounted or wired devices need not be returned. They proceeded to put this charge of {$170.00} on my account and refuse to remove it because they know that they are in the wrong. My next step is to take them to court if they do not remove this debt from my credit.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank administers a XXXX XXXX for which I am a member. This credit card provides certain services which are offered with a {$95.00} annual fee. However, these services ( e.g. XXXX XXXX access ) are not available due to COVID-19 closures. 

Chase Bank assessed this annual renewal fee on XX/XX/2020, and is currently demanding payment. I contacted Chase Bank ( XXXX ) on XX/XX/XXXX to request this fee be removed or suspended, but they refused. I explained that they can not provide the services for which the fee assessed. They were not interested and instead demanded payment. 

Consumers should not be charged for services which can not be be delivered. Chase Bank is taking advantage of the COVID-10 pandemic by charging customers for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
I'm attaching a letter and evidence to resolve this issue before filling court lawsuit.

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 2020-05-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm attaching a letter and evidence to resolve this issue before filling court lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX I purchased moving services from XXXX XXXX XXXX company, to be performed on XXXX and XXXX. I paid an advance of {$1100.00} towards the total sum of {$4700.00} on XXXX, 4 days prior to my move, the company delayed my moving services to a month later. on XXXX, I cancelled the moving and asked for a refund since they had not delivered on the contracted service date. on XXXX submitted documents of all of the transactions - original purchase for service, and change date, to chase bank for the dispute. Throughout XXXX I called numerous times as Chase requested callbacks to verify information. Each time I was given a completely different answer as to what was needed and the status of the disputes. I provided all documents as requested of me, and Chase completely ignored the fact that XXXX XXXX XXXX has not delivered on the moving service, and is breaking the law by keeping a deposit for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX, I switched phone companies from XXXX  to XXXX XXXX XXXX. The first few months of being with them were good but down the line, I realized that 1, they were charging me almost {$200.00} for a one line phone on top of charging me and other $ XXXX for tv and internet. In XXXX of XXXX, XXXX XXXX XXXX proceeded to turn off my phone and told me i needed to pay a certain amount to get the phone turned on, which i did but they told me that I needed to pay more in order to get the phone turned back on. I called customer service and was on the phone for over an hour with 3 CSR and they proceeded to argue with me instead of correcting the mistake they made.I ended up switching back to XXXX and some months later, I checked my credit and saw this debt on there and have not received anything in writing. The truth of the matter is, they will not be getting any money from me because of their fraudulent ways. XXXX XXXX XXXX is a money hungry company and they will do anything to make a buck off of someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, 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. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

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 2020-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, 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.

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-06 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lending Club Corp
State: IN

Complaint narrative:
The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back. 

I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers. 

I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name. 

He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay. 

I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX  and extended hospitalization ), rather try his best to cut me down as a person. 

He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector! 

As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.

As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of  professionalism I have ever witnessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
BB & T sent me a letter that they were transferring my mortgage servicing to Sun Trust/Truist. The information did not appear on Sun Trust website and after contacting them I was told it went to a third company, which turned out to be incorrect. Eventually my mortgage was located and is indeed at Sun Trust. Issue is that BB & T took my regularly scheduled mortgage payment on XX/XX/XXXX and now Sun Trust has done the same on XX/XX/XXXX. Sun Trust has put in the request to refund the money to me but it will take 14 days to do so and requested I contact BB & T for a quicker response. BB & T is unable to assist as they no longer hold my mortgage. I am requesting Sun Trust refund my money immediately, cover all overdraft fees and expenses, and pay daily interest for each day they hold onto my funds without a refund. I have spent a significant amount of time trying to work with both companies over the phone with no results and am reaching out for assistance.

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Back in 2017, I lost my job but was still making payments on my credit card. XXXX, I made a payment and for whatever reason, Comenity bank claims that the payment was not made but it was. The same incident happened the next month and my original credit with them was {$300.00} but because of this, it went up to {$1000.00}. I reached out to them and they told me it was my bank 's fault. I also told them that I was unemployed and could no longer make payments.Up until this point, nothing was done. I definitely owe them {$300.00} but I do not owe them the additional {$700.00} they are trying to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
My line of credit is {$2000.00}. I withdrew {$1600.00} at the beginning, and have paid {$1900.00} to the company so far. I have not made a withdrawal since the initial {$1600.00} on XX/XX/20. They are stating that my balance is currently {$1300.00}. I have been making on time regular payments, even overpayments. My minimum payments fluctuate, with no explanation of how my payments are being applied. My last minimum payment went up from {$140.00} on XXXX XX/XX/20 to {$190.00} on XX/XX/20. I recently asked to close the account and be put on a payment plan. They denied me closing the account and said that I have to pay off the balance in full first. I explained that my employment has decreased ( full time to part time ) and that I can not keep up with the biweekly payments. They only offered to delay one payment into four parts, with me paying that IN ADDITION to the regularly scheduled future payments. They are offering no relief in payment and/or increasing amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
I have been unemployed for more than 10 months and have been in continuous contact with the store about my financial situation and they have sent emails saying they are willing to work with borrowers and this is far from the truth. 

I borrowed {$370.00} and have already paid that plus additional money and can't get caught up on payments due to the current job market and being unable to gain employment. I understand there is a cost in borrowing money but I called the store and was told t call the resolution department of the company. When I was able to come up with some money to negotiate a balance I called the resolution department and they told me they couldn't help and I had to work with the store. In the meantime, I have been in constant contact with the store they called one of my references and told him they were calling regarding my account with Titlemax   which should be a violation of privacy. Additionally, the employee named XXXX refused to give me my title number to verify with the State of Virginia that I had insurance coverage. She said it was against policy so I had to call their customer service department to get a call back from a District Manager to give me this information. When I called to inform the employee XXXX that I called the resolution department and they told me that I needed to speak with the store to work out a payment arrangement she was rude and told me she knew I complained about her so this is why I believe they called references even though I had been in contact with the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: OH

Complaint narrative:
I have a paid collections account with Plaza Services that was paid in full. I want it deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Between Monday XX/XX/2020and XX/XX/2020there has been 3 transactions totaling {$70.00} sent from my account that was not authorized I contacted the cash app company to get my money back and they where no help.

Company response to consumer: Closed with explanation