vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX  XX/XX/XXXX I notified Transunion and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX TransUnion XXXX XXXX Court Name XXXX XXXX XXXX  XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator 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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
I'm being charged by Ygrene / XXXX XXXX, for work that was not done. No doors were ever installed on my property but I'm being billed for them and YGrene ( XXXX XXXX ) refuses to remove these items from my billing. 

I'm also being billed for 2 canceled contracts Ygrene contract # XXXX was not completed. Their contractor ( XXXX XXXX ) did not make me aware that the work was incomplete at the time he requested final approval for payment. 

No doors were ever installed. This was confirmed by the contractor himself, documented by their Ygrene representative and submitted for correction. However Ygrene refuses to correct this billing, siting time lapse. 

Also, charges for the two contracts XXXX and XXXX were cancelled and should be completely removed from my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was made by XXXX XXXX XXXX to open a Care Credit account to pay for extensive dental work when they said they wouldn't take my XXXX XXXX XXXX XXXX anymore. I did so the day of a mouthful of extractions in prep for dentures. I was told you had XXXX months of no interest. I was anesthetized heavily and after surgery so I did what I was told to do to put {$1300.00} on care credit on XX/XX/XXXX, I paid {$1000.00}, and used XXXX  on balance. Eventually I needed an alveoplasty and XXXX implants for an implant supported bottom denture, so approx.another $ XXXX was put on the charge. Been paying $ XXXX month for the last XXXX months. Left {$1100.00} left at the XXXX date, XXXX days ago, when Synchrony Bank added {$700.00} interest charge to the acct stating I didn't pay it off in XXXX months. First, I was never told I would have to pay it off in order to avoid a {$700.00} interest charge on an {$1100.00} balance. I spoke with an account manager yesterday and she said all they could do was take the interest off if I paid the {$1100.00} balance by XX/XX/XXXX. I said I am a senior citizen on partial social security and can't do that. She wouldn't budge. Plus, neither did XXXX XXXX say anything about having to pay a big interest dump if it wasn't paid off in XXXX months. Plus I was anesthetized at time card was instituted on me. I couldn't have read a thing! And the girl taking payment wanted out cause was end of work day and was angry and impatient at how long XXXX processing took. Also, in XX/XX/XXXX I received a new Care Credit card in mail and I assumed it was just a newer XXXX so I activated it. Turns out it was a XXXX. I called them and said I didn't want a XXXX and that I had an XXXX month interest free deal on Care Credit XXXX I was told that was still ok to be continued, again, not a word said to me that if I didn't pay it off at XXXX month mark I would be scammed and deceived by dumping {$700.00} interest onto acct.balance. By doing that it took me over my limit and will cause my credit rating, which was above XXXX, to be destroyed. This was abuse of older person by both XXXX XXXX XXXX and Synchrony Bank without disclosure of penalties and without up front forthcoming verbally of true terms of this card. My XXXX XXXX dental card was free and never had interest.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX  Covid19 restrictions prevented us from making payments for 18 months. We are 34 years in our home. Have plenty of equity. Can resume making payments. The servicer SHELLPOINT MTG, likely received Federal assistance is denying XXXX  mortgagees a deferment during the 18 month period. They have repeatedly refused to allow us to resume making payments when XXXX Covid lockdowns/ protections have ended. 

Shellpoint repeatedly mislabeled our calls over the 18 months trying to deny we had asked for Covid19 protections due in XXXX. 

Shellpoint as servicer for XXXX XXXX XXXX XXXX  repeatedly engaged in aggressive collection tactics sending unannounced strangers to our home claiming to need to appraise our home. They had no appointment, offered no ID, shouted loudly they were sent by the bank so our neighbors would hear of distress, one in XXXX tried to discuss the matter asking in a speculative way what the situation was ... and today a third one found lurking in our yard, made claims he needed to enter our home. 

This is not the Covid19 protection XXXX  citizens deserve. It has been a nightmare. We also have a 2nd mortgage current as the 2nd mortgage servicer was a pleasure to deal with the whole while from beginning of Covid to now.

And employee working from home stated he has not seen any deferments given. 

This has already been shared with a XXXX and escalations in the corporate office of Shellpoint since XXXX when they refused to accept payments. 

They are trying to wear down and weaken the borrower so they can avoid deferrals of payments to the end of the loan. Their goal is to get a modification shortening the repayment term of the arrears, or foreclose. This will destroy the XXXX housing market if they are allowed to cause so many foreclosures. 

Shellpoint customers must be all offered a full resumption of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to advise you that I am a victim of identity theft. The following account was opened fraudulently and is not mine : THE HOME DEPOT Account Number : XXXX I have tried to fix this with The Home Depot and am not getting any responses. This is preventing me from getting the credit I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX. XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have a credit card with XXXX ( XXXX XXXX ). I have my payments automatically deducted from my bank account every month on the XXXX. My account was paid in full on XX/XX/2022 for the amount of {$120.00}. On XX/XX/2022 I logged on and it was not showing that the payment had been applied ( even though it was deducted from my bank account on XX/XX/2022 ). I was going to be applying for a mortgage and needed my credit card balances at XXXX so I made another payment for {$120.00} on XX/XX/2022. I assumed the other payment didn't go through and that they would credit me eventually for both payments. Today, XX/XX/2022, I logged into my account and my statement showed that both payments for {$120.00} were on my account but they didn't credit my account for the one made on XX/XX/2022. I called the credit card company, spoke to a csr and he agreed that the payment " was lost in their system ''. I waited an hour to speak to an account specialist who refused to do simple math and see that the second payment wasn't applied to my account. She seemed very confused and kept saying that I had a BALANCE of {$120.00} going into my next billing cycle even though I pay my balance in full every month and it even shows that I don't have a balance, but actually a credit. She refused to help me and I told her I wanted to close my account and I would be pursuing help to get my money back. She closed my account and told me that I needed to pay the balance.

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 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I obtained a title loan through Wilshire Consumer Credit in the amount of {$3600.00}. Unfortunately I fell behind on the payments and on XX/XX/XXXX the vehicle was repossessed. 

However I was informed by the loan company that I had until XX/XX/XXXX to pay off the remaining balance of {$4700.00} and regain possession of the vehicle. On XX/XX/XXXX I made a payment through XXXX for the amount of {$4700.00} and cleared the entire balance owed to Wilshire Consumer Credit. They have acknowledged receipt of the payment and have updated my account with this information which now reflects no balance due. I was provided the information for the auction company which is storing the vehicle and was informed to get in touch with them in order to pick up my vehicle. 

The issue is that I am not able to do so as the tags were removed and destroyed by the tow company. I've contacted my local tax collector 's office/DMV and was informed by them that as of XX/XX/XXXX the vehicles title is no longer under my name but was transferred to Wilshire Consumer Credit by them. As such I am not able to register the vehicle or obtain duplicate tags. 

As stated by Wilshire Consumer Credit I had until XX/XX/XXXX to make a lump sum payment on the loan and obtain my vehicle. Yet eleven days prior to this they canceled the lien on the title and transferred ownership from myself to their company. It is my belief that Wilshire Consumer Credit improperly and perhaps illegally took this action which has now made it impossible for me to regain ownership and possession of my property. Property which they fully acknowledge is rightfully mine.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I notified XXXX and Equifax and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX  Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX XXXX Type BankruptcyXXXX BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N N XXXX Equifax XXXX XXXX Name US BANKRUPTCY COURT Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator N

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
XX/XX/XXXX XXXX  XX/XX/XXXX I notified XXXX and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted Lexis Nexis and they totally ignored request to validate. 

Double Reporting : XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX  Docket Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Good afternoon money was taken by Google pay which was unauthorized on last moth on XXXX XXXX I never opened account for Google pay they are taking money without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have spoken with multiple associates of RS Clark & Associates. I have asked them multiple times to send me debt validation and they have stated that they sent it to me once and would not send it out again. I never received anything to my address which they stated they sent to and they have claimed that I have lied about not receiving the letter. They call me almost every day. XXXX times I have had to ask them not to call while I was a at pediatrician appointment with my premature baby and they still called back again. I do not understand why they keep calling me after I asked them not to call me until they sent me a debt validation letter. They claim I owe XXXX XXXX {$200.00} but have refused to send me any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OH

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is 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 non-monetary relief
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-02-10 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: PA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was denied credit by Lightstream on XX/XX/2022. I was discriminated against, and my federally protected rights were violated.

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