vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AAA Collections
State: SD

Complaint narrative:
I live in XXXX, South Dakota. I have XXXX XXXX  daughters at home, ages XXXX and XXXX. I have a XXXX year old son that lives on his own with roommates. Last week his entire paycheck and bank account was emptied wrongfully for a garnishment which i know nothing about. The problem is THIS week, my minor daughter 's savings account was emptied of {$700.00}, everything she had. We just returned from XXXX  where she was in the hospital for XXXX and she is unable to work or go to school 3 months. She saved this before her XXXX from working so she could pay for her car, insurance and school items she needed. She was supposed to put a deposit on a trip with her class next year and now she no longer has it and can not pay her bills. My daughter is severely distressed and when looking at her account it said garnishment XXXX XXXX. I called the bank that allowed the money to be taken, XXXX XXXX, XXXX, SD, and they said it was XXXX 's garnishment and they can not talk to me about it. I stated it was stolen from MY XXXX  child so i am involved. Still no answer. They stated it was AAA Collections in XXXX XXXX SD. They, too, will not give answers because it is my son 's collection issue, not mine, and he is an adult. Regardless of my opinions about the fraud also happening to him right now with this company leaving him with any way to pay car payment or get food, my frustration and anger is at the theft of the {$700.00} from my daughter XXXX XXXX. None of us know what this is about nor did we get letters explaining. Not only that, my son did not receive a letter explaining so he can fight it or at least make payments. AAA Collections in XXXX XXXX, South Dakota has caused severe hardship on 2 families and it is cold and heartless, especially in these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky , LLC is the worst company besides XXXX XXXX, who uses them. I have called and emailed GreenSky and XXXX numerous times and marked as urgent and they ignore me. They say I owe XXXX  of dollars in debt and my stress level has gone through the roof. Their customer service is unsympathetic, barely qualified, and ignorant. They made a {$200.00} service turn into a XXXX debt out of nowhere. They said they needed a HIPPA form that they sent to me returned by email and they sent me a form I couldn't even electronically sign. I asked at least 7 times if I could get a docu-sign form but they kept making excuses. They couldn't even open my file in PDF even though they sent it to me in PDF format. I used XXXX Fill and Sign and  GreenSky claimed they " couldn't open it ''. My husband tested it and it worked for him. They are outright liars and thieves who steal from people who live off a XXXX check, like myself. Nothing is adding up and I am sick. They already made me pay {$1000.00} for {$200.00} worth of treatments and no matter how much I called XXXX or GreenSky, they threatened that I had to pay, anyway. Fraudulent evil corporation. I attached files that make no sense from GreenSky, and XXXX XXXXXXXX XXXX District Manager won't return my messages. They will not get away with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Financial Data Systems
State: SC

Complaint narrative:
On XX/XX/2020 Financial Data Systems added a derogatory mark on credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial Data Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The company XXXX XXXX XXXX, XXXX says that they brought my account from Synchrony Bank in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for XXXX  that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the Synchrony bank credit card that I used to purchase the dentures and Synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.

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 2020-10-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi I am filing this dispute on XX/XX/XXXX, Experian and XX/XX/XXXX. I informed all three companies that XX/XX/XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) was reporting different across three credit bureaus. XX/XX/XXXX never responded to my certified letter Experian and XX/XX/XXXX said they verified this account. I would argue this account was verified correctly. The account is still reporting different on all three credit bureaus Please see variables below : Date Opened : XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements Experain Customer disputed account - reported by subscriber. XX/XX/XXXXConsumer disputes this account information Subject has not satisfied debt. Date Last active XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attach my Driver license also since yall like to say It wasnt me who file this complaint. I will alo be filing a complaint with the Attorney General Office.

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 2020-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I received a " Pre-Approved '' offer for a personal loan up to {$50000.00} from Best Egg in XXXX. On XX/XX/20 I decided to check the interest rate on the " Pre-Approved '' loan. I visited the site given in the letter, provided my income & personal information only to be told that they currently have no offers for me. They listed a number of reasons including the old reliable " debt/income ratio ''. I did a live chat with a representative named XXXX & was told that I met " certain criteria '' which caused the offer to be extended. My reply to him was that this is deceptive marketing. To me ( and probably to most consumers ) " Pre-Approved '' means just that. You've already got the loan, you just need to complete the paperwork. Some banks, finance companies & loan companies seem to have a habit of playing fast & loose with terms such as " Pre-Approved '', " Pre-Qualified '' & " Pre-Screened ''. After separating from my now ex-wife I set about repairing my credit & have raised my scores about XXXX points in a year. I recently accepted an offer of a credit card with a well known credit card company who'd been sending me " Pre-Qualified '' offers for months. The reason I finally accepted was that they finally sent me a " Pre-Approved '' offer with an interest rate that was 2 % lower than all the previous " Pre-Qualified '' offers. I note that at the bottom of the Best Egg letter there is a paragraph in much smaller print that characterizes the offer as " Pre-Screened ''. If that had been at the top of the letter in large type I would never have even applied. These terms should have established legal definitions & companies should be penalized for misleading consumers about what they're actually offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge :XX/XX/XXXX XXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: ID Analytics, Inc.
State: NC

Complaint narrative:
This is a letter which I sent to SageStream LLC on XX/XX/2020. It summarizes the problem. 

SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : In XXXX, I was notified by XXXX XXXX  that we were denied a XX/XX/XXXX based on a credit scoring system used by your Company Sagestream. 

The correspondence from XX/XX/XXXX indicated that the reasons I was denied were : Days since most recent inquiry too short Not enough mortgage experience Length of time oldest bank revolving account has been established is too short Distance between prior residences is too long This information does not match up with reality, so I tried to contact you by phone and fax, to no avail. No human being picks up the phone at your company, and your fax machine does not work either. So I snail mailed in a written complaint on the form on your website. 

You wrote back on XX/XX/XXXX saying that my dispute with you was unclear. I dont know what was unclear. I am disputing the accuracy of the information in my consumer file. I want to know WHERE you obtained this information and what has been used against me. I want to know WHAT information has been used. I want to know my CREDIT SCORE and how it was computed. My XXXX   score is XXXX. 

Again, the information provided to me in XXXX letter indicates your system is provide FALSE information. 

I have since frozen my credit report with your company since I have not been able to resolve this with a real human being. 

FURTHERMORE, After I was denied credit, my husband, XXXX XXXX XXXX, XXXX, applied for a XX/XX/XXXX and XX/XX/XXXX, and he too was denied. On XX/XX/XXXX, you wrote him a letter indicating his credit score was XXXX. The reasons you cite in this letter, such as when the consumers SSN was issued compared to his peers and limited credit history do not line up with reality either. 

Your letter does not explain how you arrived at that score. He also is disputing the accuracy of the information in his consumer file. He wants to know WHERE you obtained this information and what has been used against me. He wants to know WHAT information has been used. He wants to know how his score was computed. Note his signature on this letter confirming that this is the information requested.

My husband and I both have FICO scores over 800. We take pride in paying our bills on time and have NEVER -- I repeat NEVER -- been denied credit cards.

( Cont. on next page. ) We expect that you will respond to these requests quickly given that almost two months have gone by without an appropriate response from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I purchased an item on XXXX. Sent the payment via CashApp. Coming to find out, it was a scam. Called my bank, and they said because the App is a third party app, that there is nothing they could do. 

Requested a refund, only for the refund to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Amerihome Mortgage, XXXX. XXXX XXXX, XXXX, NJ, XXXX. We paid our mortgage off as of XX/XX/2020. We have an overage of {$1400.00} due to us in our Escrow. We have tried multiple times to get our refund. They sent the initial refund to the original property address ( home we had sold ) and we waited three weeks for it to be rerouted to our new address, of which we registered with USPS. When it did not arrive we called and asked for a new one to be issued and mailed out. They claim they did that, when I checked online to verify, there is no activity past the initial refund check in XXXX. I saw they entered our address as " XXXX XXXX '' instead of " XXXX XXXX '' so I updated it again and hoped the check would somehow make it even with the wrong street name. It never came. This was mid XXXX. We called again in XXXX, multiple times, requested yet another check and was told they would overnight this one. We thought, great, thank you. Well it never came. Called again the next week and are now being told they would not overnight anything like that. The Customer Service Reps are limited in what information they can see and refuse to allow us to talk to a manger or the accounting department to try and finally get this resolved. We are beyond frustrated. We are already two mortgage payments into our new home and still waiting on our refund from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Io, Inc.
State: VA

Complaint narrative:
Date of service was XX/XX/XXXX with XXXX XXXX. My primary insurance is XXXX, secondary insurance is XXXX. I received numerous bills from XXXX XXXX which I responded to immediately. I sent them the explanation of benefits from my secondary insurance stating that my patient responsibility was {$0.00} but they continued to bill me. I tried numerous times to contact their office during posted business hours but they were closed. Finally on XX/XX/XXXX, I spoke with someone in XXXX XXXX  billing office. I was told that XXXX XXXX did not accept the contractual write off from my secondary insurance because my primary insurance did not have a contractual write off. This information was false according to XXXX XXXX an XXXX representative through Human Resources where I am employed. She spoke to XXXX XXXX on XX/XX/XXXX and was told I have a XXXX  balance. However, XXXX XXXX had already turned this bill in to a collection agency who in turn sent a notice to the Credit Bureau. I have very good credit and I was being bullied into paying XXXX XXXX  money that I did not owe them. It is not fair to me to have this incident on my credit report and I would like to make sure this reporting is removed from my record. Someone should also investigate the billing practices of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am not able to activate my reliacard because the records at usbank have the wrong date of birth. Texas Work force commission had the wrong DOB because the person taking the information from me typed the wrong date. When I was finally able to talk with a real person they said I need to confirm my DOB by submitting a copy of my drivers license. I was told I could submit it at verify.usbank.com/id I found no such location on the internet. USBank is not set up to deal with problems. I have tried calling back and the computer system either does not accept my response ( entering a number ) or goes to the next step too quickly. I was able to correct my DOB with Texas Work Force but it is proving to be an impossible task to do with usbank because you only get to talk with a computer. Why can't people talk to people anymore? How do I get to talk to a person with usbank again and how do I get their records to have my correct DOB?

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is Bank of America ( claim # XXXX ) which then credited my account temporarily. After 90 days of BOA doing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contactXX/XX/XXXXwho then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.

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 2020-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.

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