vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
We had XXXX XXXX  while living in XXXX XXXX. We cancelled services when we moved to XXXX state because they did not provide services there. In the terms and conditions of our agreement with XXXX the termination fee should have been waived. It wasn't. We made several attempts to contact XXXX and were transferred several times, but no resolution was ever made. On XX/XX/XXXX we were charged {$90.00} for that termination fee. We were then sent to collections via GC Services. They had my new address, and sent a dispute to XXXX. They then called me to tell me to send physical proof of our move beyond the fact we received their letter at our new home. We then had to call XXXX  again. On XX/XX/XXXX we tried 6 times to send an email to the address provided. XXXX. The email bounced back every time saying it doesn't exist. We called in again on XX/XX/XXXX and were told to try XXXX. It bounced back another 6 times. Now on XX/XX/XXXX I received an alert from the credit bureau that I have a collection account on my credit report! When the original debt is still in dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Nelnet, Inc.
State: PR

Complaint narrative:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I told them that XXXX XXXX  is allowing criminals to steal from my checking account. They are making fradulent transactions. I also told them that I did not order this purchase, I told them them not to mail the purchase. Why was I mailed the purchase? I showed Citizensbank and Consumer Financial the emails, why did they renege on the refund? This was a duplicate purchase of {$170.00} on the same day. 

An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number of XXXX XXXX XXXX refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several people copying my phone number so they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I can not make important calls to banks or creditors.Many of my relatives were XXXX this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX instead delivered the package. After Citizensbank completed the, banking, transaction, anyway, I told XXXX XXXX XXXX to " please do not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be from XXXX even told me that he was not going to deliver the package They delivered the package anyway. Several criminals were lurking near my home during this time as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX  XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other people from XXXX or XXXX speaking countries, intercepting the calls, so that I am unable to speak with an authentic representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a mental problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CBNA Inquired on XX/XX/XXXX, XXXX - CARD SERVICES Inquired on XX/XX/XXXX, CITIBANK NA., BEST BUY Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies 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.

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 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
I have received an unsolicited email that implies I owe money to a company ( Skrill? ) I have no relationship with, and have never heard of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have canceled service with the dealership, and I got a refund for the amount of {$2200.00} posted in my account. However, the account paid off. The refund check was supposed to be mailed out to my address after a month from the date it got posted on the account, XX/XX/XXXX. Today 's date is XX/XX/XXXX and the check still pending. Every time I reach out to customer service ( XXXX ) XXXX, the only answer I get is the " We will send out a follow-up email to the payments department '' or send out a service request. When I follow up on those emails or service requests, the answer I get payments didn't respond " we will have to send a new email '' I have submitted a complaint through XXXX XXXX XXXX twice and no answer.

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 2021-02-23 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've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. I have even called the bureaus stating my case and they have done nothing besides ignore my requests again. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 went into a dealership with my own financing and XXXX XXXX XXXX finances my vehicle. However my credit was ran like 30 times by the car salesman and I did not give written consent for each individually company to do that. XXXX  XXXX XXXX XXXX appears on my transunion report 17 times all days apart amongst other auto finance companies whom I did not give consent. These inquiries appear as follows ; XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-02-23 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: MO

Complaint narrative:
I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at Equifax, XXXX, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 Equigax, XXXX, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AK

Complaint narrative:
The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRas. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-02-23 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICES Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have had this student loan with Navient for well over ten years. I believe it was Sallie Mae in the beginning. I have paid it on time always. A few years ago, I did request they take more out of my checking for payment ( {$100.00} ) so the loan would be paid off sooner. At some point, they stopped taking {$100.00} out and started taking out less without my knowledge, so therefore, the loan is not paid off. I asked them to stop asking me to do auto pay since I don't trust them to take out the amount I requested. They insist on taking out less it seems. I have sent them over XXXX $ in the last 3 months. My payment was only around XXXX $ a month before I discovered they were not taking out {$100.00}. I have been sending way more than that and they keep calling to say I have an overdue amount. There is no way I could have an overdue amount as I am trying to pay this loan off, and they don't seem to even appreciate that. I have asked them to send me an updated itemized statement. The balance on the website now looks way higher than what it should be even after I have made a huge effort to send them extra money since XXXX. My job was eliminated last year due to the pandemic, and I am making a lot less now at a different job. They don't seem to take that into consideration at all and keep calling me saying they can help me with my overdue balance, and I should not have an overdue balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused 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
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have spoken with 4 representatives about these re-aged accounts. Also, after speaking with hospital they have no record of my visit for the amount nor the date. Except from XXXX per business office. I can pull my medical records and see this is not a valid bill or collection. 
Medical date systems has these 2 accounts. 
Medical Data systems:XXXX : {$1100.00} Medical Data systems : XX/XX/XXXX : {$230.00} I am beyond frustrated. I will be also writing another letter to credit bureaus. An attorney suggested I file complaint. 
Much appreciated, 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 2021-02-23 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: TX

Complaint narrative:
The three CRA along with third parties have failed to rectify erroneous and fraudulent information contained in my report and have continuously allowed access to my report without valid need. The CRA and their third parties and creditors are paying clients whose parroted information comes before the consumers even when I have submitted proof. The CRA has ignored my documents providing my personal information such as my address and have over 34 name and addresses variations of which they are allowing, they have ignored all documents of payment and have allowed creditors to change payment histories and reage old debt and even allow late payment reporting before thirty days late- even after fraudulent activity. This is unacceptable. The CRA has failed to verify, investigate and/or delete fraudulent or erroneous information along with allowing these companies to access my report for several years and have violated FDCPA & FCRA.

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 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Loan to Chrysler Capital was paid off in full {$31000.00} with checks ( {$30000.00} + {$1500.00} ) in USPS Tracking Number : XXXX - Your item was delivered at XXXXXX/XX/XXXX on XX/XX/XXXX in XXXX, TX XXXX to XX/XX/XXXX XXXX. The item was signed for by XXXX XXXX. 
on XX/XX/XXXX Chrysler still showed I owed {$1500.00} on the XXXX XXXX XXXX pickup truck. and have not released the Title to the new lienholder. 
My Check # XXXX for {$1500.00} has not cleared my bank to date XX/XX/XXXX, and Chrysler Capital is not planning to assist in locating the missing check, and offers no compensation to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
My mortgage loan was originally funded by XXXX XXXX and was sold to The Money Source last year. Upon receipt of notice, I established an automatic payment to avoid delays or missed payments. Earlier this year, and without notice, the Money Source sold its interest in the mortgage and note to XXXX XXXX. As a result, and again without notice to me, the Money Source terminated the autopayment in XXXX 2021. In reviewing my account the following month (  XX/XX/2021 ), we noticed the outstanding amount and immediately paid. The Money Source has now put an adverse statement on my credit report and is attempting to charge me in excess of {$100.00} in fees. It appears to me that this is a deceptive trade practice aimed at collecting fees in violation of applicable law and community standards. Luckily we were able to catch the problem before additional fees were compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: MI

Complaint narrative:
I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.

Company response to consumer: Closed with explanation