vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roadrunner Account Services, LLC
State: IL

Complaint narrative:
I have a retail installment contract in place with Roadrunner Financial. This contract is in violation of 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ), 15 USC 1662 ( b ) & 15 USC 1635 ( a ).

2. Due to the retail installment contract that Roadrunner Financial and I have in place being a credit sale. This puts Roadrunner Financial in violation of 15 USC 1602 ( h ) since they are not the original seller of the vehicle. Pursuant to 15 USC 1602 ( l ), this would imply that the debt for our XXXX XXXX XXXX XXXX XXXX is paid for, and the original seller XXXX XXXX XXXX , from which I purchased the vehicle, employed Roadrunner Financial to make it my duty as a consumer to pay independent of their duty to fulfill their obligations within our contract. As a result, this puts Roadrunner Financial in violation of 15 USC 1602 ( i ). 

3. Roadrunner Financial is also in violation of 15 USC 1662 ( b ) by advertising that a specified down payment is required. On page one of the installment contract under the section titled sales agreement, subsection Down Payment states ; You also agree to pay or apply to the cash price, on or before the date of this contract, any cash, rebate, and net trade-in value described in the itemization of the amount financed. On page 2, under Itemization of Amount Financed on line g titled cash payment, the amount shows {$XXXX}. 

4. Pursuant to 15 USC 1635 ( a ), The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Board, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Board, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Per the contract between Roadrunner Financial and us, there is no clear and concise verbiage for the consumers right to rescind. 

5. As a result of the violation of these Federal Regulation Codes, without further ado, Roadrunner Financial is ordered to return all expenses paid, including all fees, back to us via check or direct deposit and sign the title of the XXXX  XXXX XXXX XXXX over to me, XXXX XXXX XXXX 

6. As to the Arbitration and Provisions section in the Roadrunner Financial and our assigned contract, 15 USC 1693 ( l ) was violated. Furthermore, if Roadrunner Financial does not comply with this order, I will be forced to take legal action against them by filing motions with the appropriate federal and state regulatory bodies for violation of the Truth in Lending Act 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ) & 15 USC 1662 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I noticed over {$20000.00} worth of fraudulent charges on my credit card with Citi Bank. I immediately contacted Citi to report the fraud. The charges were made on XX/XX/XXXX and I reported on XX/XX/XXXX. I closed my card and they issued a new card. 
The charges were made to XXXX XXXX and XXXX XXXX XXXX XXXX. I did not receive any fraud alerts from Citi nor any calls to approve these transactions. 
Citi refuses to provide provisional credit. They state they do not have to provide provisional credit for fraud disputes. My card is at it's limit and I can not use my card. 
It is my understanding that Reg E requires them to issue provisional credit with in 10 business days of notification. Their response is that they do not provide credit until after the 60 day review period. 
I am being denied access to my credit card usage because I am over my card limit because of these charges. My credit score will also be adversely impacted because of the high amount of unsecured debt.

I have called Citi several times a week and have answered all of their questions including on XX/XX/XXXX and 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 monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I was told that it would take 150 days to refund my student loan payments that were made during the pandemic. I struggled a lot to make those payments and am currently struggling to pay rent/other necessities and having to wait 5 months isnt ideal. Other loan services are refunding people with a turnaround time of 6-8 weeks at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I signed up years ago for Experian 's free sporadic emails on credit. I received a thank you for checking my report in XX/XX/22, see a loan I do not recognize, and a a credit card was requested in my name. Experian 's voice system does not allow for a caller to reach a human being, asks for information up front twice ( odd AND I fear XXXX ), and does not allow me to report fraud ( only get a credit report which will go somewhere else, freeze credit which does not fix past damage, and hear explanations ). 

Your role under the FCRA is to keep these data havesters in line. Please assist

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 2022-08-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

They also Reporting the wrong dates on the file they last payment was XX/XX/XXXX they change the date to the charge off date XX/XX/XXXX now this date is showing which is wrong here is the screen shot of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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:
Equifax stated that they verified a Bankruptcy with XXXX XXXX. I have contacted XXXX XXXX and there is not any information on my XXXX XXXX Report Regarding a Bankruptcy. Then Equifax stated that they verified the information with the Court House. I contacted the court house and they advised me that they do not report any information to the court house. Therefore since this information is not verifiable. It needs to be deleted from My credit report and all associated accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinebrook Holdings, LLC
State: IL

Complaint narrative:
Date Incident Occurred : XX/XX/XXXX The Debt Collector : St Louis Loan/PH Financial Services LLC This debtor did not give me a written notice or receive pre-authorization to run an debit/ACH from my checking account TWICE in one day. I called the company to see why they had did the double withdrawal from my account and her reason was because I did not answer my phone ( it was off, I can obtain proof ) she said " if it goes through for the payment due the due date ( XX/XX/XXXX ), we push through another payment for any past due payments ( XX/XX/XXXX ) '' meaning if I were behind 3 payments she would have ran 3 different debit/ACH 's on my account which is highly illegal. Since I was only behind 1 payment when on the due date she ran 2 debit transactions on my account for payment due and past payment due. The company did not ask to rectify by sending payment back. I had to call my bank and authorize a stop-payment on this merchant/debtor and have the 2nd debit transaction reversed. The company called me approximately XX/XX/XXXX letting me know they had received the STOP-PAYMENT request and the reversal claim from my bank and told me I would not be able to obtain a loan with them ever again without authorizing them to ACH from my account. She also asked me to cancel the reversal claim with my bank ( because they could not dispute the claim ) it was not authorized and they had no oral or written authorization from me. She then threatened me calmly about garnishments that could potentially be sent to my place of employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Someone asked me to send them a Zelle and it was a scam and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2022 {$110.00} I answered a phone call from XXXX XXXX XXXX XXXX. They asked how was I going to pay a debt on a PayPal account. I told them I wasn't paying anything because it can't be my debt because I never had a PayPal account. I also received a letter from XXXX XXXX XXXX XXXX and returned it and checked not my debt. Also, in the returned letter I told them I have never had a PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I wrote all three credit bureaus requesting deletion of old and unknown addresses and names. XXXX responded with deletions and the others have not.

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 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
As of XX/XX/2021 I was contacted by my property manager that Prestige Financial had contacted her by phone to do a residence verification as if I was trying to obtain a new line of credit. This company has sent me harrassing emails from XXXX. I changed my number and the calls stopped but the emails continued. For a while they left me alone, and this is when they reached out to my landlord, and was demanding information on if I was being evicted, how much my rent was, how many people lived with me, etc. It was so shocking that she sent me a message asking me if I was trying to purchase something because of how demanding they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NJ

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX XXXX : XX/XX/XXXX -XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: DISCOVER BANK
State: TX

Complaint narrative:
As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing Discover Bank charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted Discover several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with XXXX XXXX. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
XX/XX/2022 {$110.00} I answered a phone call from American Coradius International LLC. They asked how was I going to pay a debt on a XXXX account. I told them I wasn't paying anything because it can't be my debt because I never had a XXXX account. I also received a letter from American Coradius International LLC and returned it and checked not my debt. Also, in the returned letter I told them I have never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
my home is being foreclose on with fraudulent assignments. All of companies listed in the chain of title are all robo signed. AURORA WAS SOLD IN XXXX the last assignment was transferred by XXXX  is clearly fraudulent. the XXXX XXXX sold and traded millions of fraudulent loans and my loan was one the millions The accounts numbers were changed alternation of the contract is voiding the contract signed in XXXX. This loan was apart of the global wide settlement act with the USA department of justice. I mailed 2 QWR and a debt validation letter neither have been answered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX {$250.00} XXXX {$230.00} XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022, I wrote all three credit bureaus requesting deletion of old and unknown addresses and names. XXXX responded with deletions and the others have not.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had a credit freeze on my credit file at Experian and the other 2 agencies for 15 years. During that time I have successfully removed the freezes temporarily due to new loan or credit card applications many times over the years. On XX/XX/22 a bank I applied to for a new credit card told me that my Experian credit file was frozen and I had to remove the freeze. On XX/XX/22 I tried to remove my Experian credit file freeze and was unable to do so. I tried online and could not login. I tried clicking " forgot user name '' and it would not recognize my Social Security number and birth date, saying " not a match ''. I tried calling the Experian phone number and the automated menus would not give me the " unfreeze '' option. It treated me as if I wanted to freeze my credit file for the first time! On XX/XX/22 I sent a letter to Experian describing this problem and asking for help, using the Experian document upload facility on their website ( a copy of the letter is attached with this form ). I included a copy of my driver 's license and a current utility bill for ID. After 6 days they have not responded to me in any way. I think that their credit file for me has somehow been corrupted??

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 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
When I got my first billing from Ally I noticed that I was being charged an interest of {$92.00} on a Zero %, 18 month loan when I replaced my HVAC unit in my home. Guy I spoke to said I will continue to get this interest charge added to my bill until my initial loan is paid in full and if I miss two payments it will autoimaticly be attached to my loan. I told him this was not disclosed to me at the time I file for the loan by either the HVAC company nor Ally bank reps. My HVAC company is " XXXX XXXX XXXX '' in XXXX XXXX Nevada. 
So I feel I was lied to about my loan app and Ally Bank failed to disclose this interest extra charge to me at the time of my app for the loan.

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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I was contacted about a debt from XXXX XXXX XXXX XXXX for {$100.00} for not returning equipment and not paying the last bill. I sent payment to XXXX of XXXX of XXXX and requested cancellation of service in XXXX. I sent out the equipment for return in XXXX but there was an issue with XXXX  that required me to resend the package again in XXXX. I already had services set up by spectrum starting on XX/XX/XXXX of XXXX. I have confirmation of payment received and equipment received by XXXX. I called sunrise to dispute this issue. They gave me an email to send correspondence XXXX. I sent out an email with all attached documents in XXXX XXXX. I called XX/XX/XXXX and was told it was in review. I was also told in was still being reviewed when I called XXXX XXXX. I was told that it would be closed on XX/XX/XXXX of XXXX and it was removed from my XXXX report. It is still showing on XXXX and XXXX reports and now they have started to call me again to collect the debt and do not have any recollection of them reviewing or agreeing to close the account.

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 2022-08-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've sent several CERTIFIED letters to the 3 credit reporting agencies EXPERIAN, XXXX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX  ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP 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