vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received and automated phone call saying it was XXXX and someone was trying to purchase XXXX shoes on my account to call if it wasnt me. I called the lady transferred me to the fraud department it was a man from XXXX. He told me XXXX had been charged on my account but not to worry he was going to get my money back and put a big smile on my face. He had me open my online bank account and he told me to type in XXXX to credit my account. When I did it added a extra zero which he showed me I got a XXXX credit in my account. Started saying if he didnt get the money back he would be fired. At first I told him thats not my fault. He continued to call and text me begging me to please help him replace the money. He convinced me to go to XXXX and purchase four XXXX gift cards. I bought two with my debit card and then wrote a check for XXXX for two more gift cards. He told me scratch off the back and take pictures and text them to him. He kept calling me saying the cards werent going through and I need to go purchase four more cards. I refused then checked my bank account and they had cashed three XXXX gift cards out of my account and XXXX transfer to XXXX. I immediately went to XXXX to have them cancel the cards. They had already cashed them out. I called my bank to and put stop payment on the check which cost me XXXX. The check XXXX cleared the bank. Plus XXXX in XXXX cards withdrawn from my bank account and XXXX to XXXX which now I have been totally scammed out of XXXX. I called that man later that night and told him I knew what he did. Then I cried my self to sleep. I am on XXXX a fixed income he took all my money. I am so upset and have all the proof and voice mails and text message he sent me. He called me the next morning and told me he was sorry he was going to give my money back. Tried to get back in my back account. I kept hanging up on him but he wouldnt stop. Kept calling and texting until XXXX. The bank has canceled my debit card. This happened on XX/XX/2020. I called for a update tonight and XX/XX/2020. They said cant recover any of my money. I want this man caught and I want restitution because, I am broke and my spirit is broken. I pray that you can help me somehow. 
Thank you 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 2020-08-26 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company has contacted me several times about a debt that I am not aware of. They continue to call me and contact me at odd hours. This latest time they have called me at XXXX despite me telling them I do not own the debt and to not contact me. Please stop contacting me ASAP! 

This company said this debt belongs to XXXX XXXX XXXX  for a master card. I do not own this debt. Please stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
While attending XXXX University, I petitioned for a XXXX XXXX XXXX. XXXX " forgot '' (!! ) to file the loan request and instead offered an institutional loan for the same amount and under the same terms as a Perkins Loan. 

I graduated in XXXX and began XXXX school for a XXXX XXXX in XXXX XXXX immediately. For the past five years, all of my loans have been in deferment while in school and in grace during the summer. 

This year, my institutional loan, handled by UAS since XX/XX/XXXX did *not* put my loan in grace for the summer of XXXX ( despite having correctly done so in summer XXXX. I requested a copy of my MPN which also states that following an in school deferment which this loan was in through XXXX of XXXX, the loan has a grace period of six months. 

Instead of putting it in grace, I was charged starting XX/XX/XXXX with little information about the change. This account is now considered not in good standing and it is affecting my credit score by 100 point. Meanwhile, I have contacted the company multiple times for weeks. I have forwarded them past grace notices about this loan. 

They say they have forwarded this information to an " account specialist '' several weeks ago. They will not allow me to speak to this account specialist. The account specialist has not contacted me ever. I can not contact anyone about this but the same customer service line which can not or will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I told them that I would file bankruptcy because I couldnt afford payments and they knew the interest rate was to high upon giving me loan they continued to rack up charges on the account in late fews making it hard to pay my normal payment a month. Then I was told to voluntary give the car back and that I wouldnt have to pay balance if there was one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
DEPT OF ED/XXXX  Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

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 2020-08-26 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: IL

Complaint narrative:
DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

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 2020-08-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 
I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 
Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional  finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
I received the below email regarding needing a XXXX for 5 weeks. I've received the payment to book the service in addition to funds for transportation while in the city. I took the {$4200.00} check to my bank representative XX/XX/XXXX XXXX on XXXX XXXX XXXX, TN XXXX and was asked verified the account with thier XXXX XXXX XXXX XXXX XXXX   XXXX prior to depositing. She didn't call me and so I called the bank on XX/XX/XXXX confirmed all was correct. I advise the client service was confirmed with {$640.00} deposit and advise on the remainder deposit for the chauffeur service. The next day I was asked to XXXX the chauffeur deposit {$3200.00}. I received another call and text that they will need to cancel, keep the nonrefundable deposit and XXXX the remainder balance. My account was debited for {$3200.00} through XXXX XX/XX/XXXX. On XX/XX/XXXX I received a cash back of {$4200.00} and {$16.00} service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been paying my bill IN FULL for the last few years and asked repeatedly for a credit line increase ( Always denied ). Since the pandemic I have slashed my spending to the bare necessities : food, rent, car, insurance and use credit cards as little as possible. Today my credit limit was reduced from XXXX to XXXX ( which has now affected my overall credit and will affect my ability to apply for a mortgage ). The credit limit was reduced not for late, missed incomplete payments. It was reduced because " i don't use it enough ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
XXXX is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.

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 2020-08-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-08-26 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: OneMain Finance Corporation
State: VA

Complaint narrative:
Springleaf Financial is reporting a delinquent status on a closed account that has no balance. They are reporting the past status as the current status which is reporting to XXXX and XXXX each month as delinquent and causing the item not to age. Please let me know if you can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Contacted my childs father whos been an X for over 10 years. Weve never shared a phone line. Left a voicemail on his phone from come out  capital bank insisting that I call them today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I went to get a small medical checkup done. ( XXXX check up ). A few samples were sent to a lab. I never received the initial bill from the lab or doctor. This was in XX/XX/XXXX. I letter checked my credit and saw I had a collection account. 

I never received a bill, account overview, notification or anything from the collection agency. ( Collection Credit Services ). I have sent them multiple correspondences to explain the debt, etc. I have gotten no communication back. 

In that time frame, my insurance has since picked up their portion of the bill. Approximately {$400.00} of the {$740.00} bill. I'm currently paying the remaining portion directly to the doctors office. ( See attached bill, dated XX/XX/XXXX In closing, I have had 2 bills that were never sent to me ( original lab and collection ). The collection agency has not communicated with me once or given a detailed explanation. My insurance has since paid their portion ( They paid in XX/XX/XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NY

Complaint narrative:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

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