vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
I was checking my credit report and I dont understand why you put these negative accounts on my name. I m sure that someone have my personal information. I dont know where they came from

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: CA

Complaint narrative:
My Complaint pertains to : The Moore Law Group, XXXX. located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Collection Agency ) The Moore Law Group is collecting a debt which started XXXX XX/XX/2020 and I also disputed this debt they claimed I need to pay. But I have no idea or do not know anything about their collection. I have been asking or requesting a copy of the credit card contract/written application who opened the credit card under my name. But what The Moore Law group did was to filed a lawsuit against me. Until now, after various letters to produce the written contract or credit card agreement with the valid signatures was not provided. I believed that they are committing unfair debt collections because that in spite of Identity Theft Report that I submitted with FTC and Police Report they continually insisting on this debt unknown to my knowledge. Also, The Moore Law group involved other people such as my friends with regards to their collection. Their alleged accusations against me does not have a valid proof and I feel that it is already in a form of harassment on my part as well as others such as friends of mine that they communicated about the collection they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. Experian accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Credit Card CAPITAL ONE BANK USA N XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Lending Club Corp
State: PA

Complaint narrative:
Loan still shows open on credit report. Contacted lending club. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Scratch Services, Inc.
State: CA

Complaint narrative:
Back on XX/XX/2021 I received an email from Scratch loan servicing stating that my XXXX loan had been forgiven & is paid in full! I was excited & grateful for this. About a month or so later, I never saw this positive debt reflected on my commercial/business credit report. I found information on Scratch 's website stating that they do report to these bureaus, like XXXX XXXX XXXX. I have repeatedly called & emailed Scratch for about 2 months, receiving 1 reply that they will contact me back. To this date, I have not heard back from them. I then reached out to the lender directly, XXXX XXXX XXXX. They said they would contact Scratch on my behalf and that has had no results. I am requesting that Scratch honor their reporting guidelines as stated on their website, and I believe is a guideline/rule with the XXXX as well.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I phoned FedLoan Servicing XX/XX/22 about my loan forgiveness application and the calculations received. I waited on hold for 40 minutes. I finally decided to request the call back and by the time I received the call back hours later in the day, I was unable to take the call. 

I phoned again on XX/XX/22 and waited on hold for 50 minutes, despite the recording saying it was a 15-20 minute wait. I hung up and called again to request a call back. This call was placed at XXXX. I received a call back at XXXX only for the agent to ask what my call was about - EVEN THOUGH I INDICTED THIS IN THE REQEST VIA THE AUTOSYSTEM and she proceeds to PUT ME ON HOLD AGAIN for what is has now been 19 minutes as I'm typing this and counting.

This is UNACCEPTABLE and infuriating. What working adult has time for this. This is a way to skirt responsibility and answering questions and I am beyond frustrated. They MUST BE HELD accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is about XXXX claim I understand that the payments look authorized on PayPal, but I was still scammed I did not receive what I paid him for the transactions look authorized because he keep telling me to send him more money to reactivate my account every following week till the end of the month when he said my account would be reactived, please he scammed me I provided information of him of his profiles he still is scamming more people I really need my XXXX $ from him I need it for rent please reopen my case, I dont understand the companys response they are just explaining me how the transactions were made like every other place I called the bank, PayPal I just want to know if I can get my money back this person scanned me XXXX XXXX my music account was my only source of income I gave him all I had left to reactivate it he told me it would take by the end of the month to send him money every following week or day to reactive it and told me he was even going to send my payments to my PayPal account bjt never did he got my hopes up at the end of the month when he said it would be reactivated he blocked me, the payments look authorized but I never got my account reactivated I had to quit music and get a real job this guy ruined my hopes and cost me almost 500 $ please atleast help me get my money back he scammed me and he is still scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). 

XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. 

Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. 

Checks were returned XX/XX/2021 and {$38.00} return check fee. 

Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. 

She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. 

She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). 

I called her to ask for the correct number. She said it was XXXX ( wrong number ). 

Called again and asked for the correct number which she finally gave as XXXX ( correct number ). 

She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. 

Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. 

I completed a form on XXXX XXXX. 

XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. 

I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit.

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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Recovery Management Solutions LLC
State: NJ

Complaint narrative:
XXXX XXXX from XXXX XXXX with a phone number of XXXX XXXX XXXX called my father my sister and my uncle and told them all that I was going to go to jail if I did not pay? Pay what? No main creditor was identified. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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:
Just pulled update and dont understand why I see this negative information. I already sent few rounds of complaint about these accounts already. I believe that someone have my personal information and applied for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: T.S. Holdings
State: GA

Complaint narrative:
I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission

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 2022-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I asked for my XXXX XXXX XXXX to be added to my personal checking and savings account. The bank messed up the first, 2nd and 3rd attempt to create this change, which they admit is due to training issues. The errors they made caused my paycheck from my employer to be auto rejected because they froze my account without my knowledge. My employer then had to mail me a paper check. Also, my credit card payments were not made on my auto-pay since they froze my account. This caused NSF fees to be applied. I have spoken and met with the assistant manager XXXX XXXX, Manager XXXX XXXX, Vice President XXXX XXXX, and various other staff, but the NSF fees have not been resolved as of today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Signed up for a credit card with CareCredit ( which is Synchrony ) and was unaware that there would be a " Card Security '' fee every month. When speaking with " Card Security Services ''. I asked what the service actually did and they described it but failed to mention I'd be billed every month. Upon being told how the service worked I asked to terminate it and be refunded. They told me I would be ineligible for a refund on the fee if I cancelled. I said, " fine, whatever, just leave it on then '' and ended the call ( since I didn't know it was billed every month ). 

I found out I'd be billed monthly 30 minutes later and called back. On the second call the representative told me it had already been canceled on XX/XX/XXXX. This is not correct because they billed me on XX/XX/XXXX. They put me on hold and then came back and said " Actually we canceled it just now and have issued you a full refund '' and tried to get me off the phone. 

I asked who the representative who they worked for and the mood changed very quickly. They responded with " Card Security Services '' to which I replied " With Synchrony? '' and they were quiet and repeated " Card Security Services ''. I replied again, " Card Security Services, with Synchrony, right? '' and they reluctantly agreed. I asked where their office was so that I could best file my complaint with the CFPB and they said " XXXX ''. I asked, " XXXX? That's not an address ''. They put me on hold. They came back and gave me a XXXX XXXX XXXX to address complaints to. ( XXXX XXXX XXXX ). I confirmed that I would be getting a cancellation confirmation in writing in the mail and ended the call.

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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
I have never heard of this company and I have never applied for any financial assistance from them. I have filed a complaint with XXXX and XXXX. They did not report it to XXXX. I have been online researching this company and I read where they have tried to scam others out of money. Is there anything legally that can be done? 
Account info Account name VANCE & HUFFMAN LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
COLLECTION NOTICE FROM : A.R.M. Solutions for the amount of {$28.00}. 

This was regarding a newspaper subscription from the XXXX XXXX newspaper that was ORIGINALLY subscribed through XXXX XXXX REWARDS program at the beginning of XXXX of XXXX for 1 YEAR ONLY. I was NEVER given any type of notice that if I didn't personally contact the XXXX XXXX after the 1 year expired, that i would be AUTOMATICALLY re -subscribed. i assumed that after the subscription ended, that i would not have to do anything if i didn't want to " RE-UP ''. I contacted the collection agency by phone on XX/XX/XXXX at Approximately XXXX Pacific time and spoke with a representative from A.R.M. and he told me that if i was to pay the {$28.00} now, that they could contact the XXXXXXXX XXXX and see if anything could be done.. 
He said that the XXXX XXXX already paid them, so why would you think they pursue this matter any further???? Sounds fishy to me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This is my second complain with Rent Recovery Solutions and first complaint with XXXX XXXXl At XXXX in XXXX, GA. On about XX/XX/21 my credit report update with a collections account from Rent Recovery Solutions for XXXXXXXX XXXX at XXXX in XXXX , GA. A few days later I contacted them and advised that this was fraud and requested they retract the credit bureau reporting . I advised their representatives that I already submitted a fraud letter to them and had already had one account removed. They refused and just wanted payment. I then contacted XXXX XXXX at XXXX property manager, XXXX and provided proof of the identity fraud. I asked her to have their collections agency remove the credit reporting. She is delaying and not being helpful with removing me from collections. I have an email chain of communications between me and the property manager attached. I've never lived in Georgia and Rent Recovery Solutions knows this from my previous complaint. I need this removed from my credit asap as it is causing me hardship in ability to obtain the credit standards I should be obtaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
Dovenmuehle Mortgage is the private-label subservicer of a VA backed loan for which my late husband was sole borrower. The property was transferred to me upon his death ( XX/XX/2021 ), and I am confirmed successor in interest. I have provided this company with my written statement of intent to take over payments on the note, as surviving spouse and Titled owner of the property. 

The Company has thus far refused to cooperate with VA Regulations and Federal Laws ( XXXX XXXX XXXX, Consumer Financial Protection Rules pertaining to the ATR rule, and VA Regulations pertaining to the unrestricted transfer of the loan ). The company has insisted that I must submit an application for assumption with associated fees, which is clear violation of multiple Laws and VA Regs. Furthermore, Dovenmuehle has refused to respond in a meaningful way to my repeated phone and email requests over several months to correct this issue. 

Dovenmuehle has been notified by the VA Regional Office in Denver that they are in violation of VA Regulations. The failure of the Company to respond to me now places them in violation of RESPA and my rights as Successor in Interest. 

There are no other beneficiaries to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. XXXX accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Received a PNC bank debit card on XX/XX/2022 that was unsolicited and never applied for. Called bank and they said someone applied but the email was not one of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AES/PHEAA
State: IL

Complaint narrative:
The Department of Ed have reported that I have been late on five student loans from them. ( FED LOAN SERV-Closed 12 late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) Fed Loan Service in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.

Company response to consumer: Closed with non-monetary relief