vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Myself and my mother received a call claiming to be XXXX XXXX stating they were trying to serve me papers for something. On my voicemail he left an address that I've never lived at. So I call XXXX and the man who answered asked for the reference number which I gave XXXX and he asked if this was XXXX and I said yes and I said not sure why you are calling and harassing me and my parents. He started screaming at me saying if you want to see harassment you got it and said I will see you in court and hung up on me. I called back and he started screaming at me again so I am not here making a complaint on this company.

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 2023-06-22 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NC

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-22 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: NC

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I refinanced rental property I own in XXXX Ga. That loan was transferred to Selene Finance in XXXX and letter of transfer and closing documents clearly states for the first 60days loan payment can not be considered late or received late fees if transfer to new lender. Im unable to create online portal access and account is not found in phone system due to some technical issues. So I paid my XXXX payment with XXXX and noted Im having issues creating a portal account to facilitate payments. I mailed XXXX payment which has not cleared. I called in XXXX to pay XXXX payment and inform them XXXX check has not cleared so I will pay that as well and they refused payments and inform me my house was foreclosure on XX/XX/XXXX with no notice of default or anything. I told them first 60 days is grace period because of loan transfer and XXXX informed me if I dont pay on the XXXX Im in default. I contacted management XX/XX/XXXX via email because that is the only means they provide and XX/XX/XXXX they responded stating loan has been foreclosed as of XX/XX/XXXX and they do not need to provide me with notice of default and they will send reinstatement information. As of XX/XX/XXXX I have not received any further communication and after reading other reviews many have complained of " Missing Payment '' and then aggressive foreclosure or excessive reinstatement fees. However my loan should of never been foreclosed on after being late by their standard only 3 days even counting missed XXXX payment who foreclose on a house after only 32days late and then provide no notice of any kind. All notices I received was just to pay my normal payments. They even sent email asking about regular monthly payment and never mentioned my home was in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Global Lending Services LLC
State: GA

Complaint narrative:
I Have submitted a compliant that this is not my account and i advised that the lender, how was this investigated after reviewing the documents from the lender, the signature that on the document are not even my wet signature this is a clear case of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest allowed for the opening of a car loan in XX/XX/XXXX while I was unfortunately physically unable to sign for a loan. Within 6 months of this account being opened, the account became delinquent and Bridgecrest charged it off. 

As of this complaint, Bridgecrest is reporting the account closed with the full balance and a closure date of XX/XX/XXXX. Despite multiple attempts to dispute this account, I have been unsuccessful. 

This account has an incorrect payment history, balance, and closure date. The company has agreed to settle the account, but will not forward the title in the settlement and will not correct the inaccurate information. As a military spouse, Im seriously disturbed by how horrifying this process has been and continues to be.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Our Chase Amazon XXXX credit card was charged multiple times at XXXX XXXX for what was determined to be gift cards in the amounts of {$100.00} and {$150.00}. Credit card company doesnt believe us that we didnt make these purchases. Sheriff dept in the county where we live even did an investigation where it was proven through video surveillance cameras that we didnt make these charges. They were fraudulent charges. The sheriff even sent his investigative report to the credit card company. He has also spoken with the fraud department within Chase card services to explain that these were fraudulent charges on our account. They still dont believe us that the charges are fraudulent. Weve contacted our attorney now, and shes sent us to this website to try to get some help. The dates and charges are as follows XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally bank is holding my mobile deposit funds and are not following the statements in their mobile deposit agreement. The agreement states that partial funds will be released after 2 business days, and the rest of the funds after 5 business days. To someone who is struggling and received a loan check obviously for a reason, this is disheartening that a bank will hold funds for an extended period of time, going against what is promised to their consumers. I am demanding that the statement ls in their agreement be met on the consumers end. During a phone call on XX/XX/XXXX, I was promised that {$5500.00} would be available in my account today. I was then told today that NO funds would be available until XX/XX/XXXX. The check was deposited on XX/XX/XXXX. I have children to take care of and bills to pay and this is absolutely unacceptable. Ally bank is hurting their consumers with the failure to follow through on legal agreements!

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 2023-06-22 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: FL

Complaint narrative:
I received a credit card from XXXX Bank in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.

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 2023-06-22 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:
I received a credit card from XXXXXXXX XXXX in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: KS

Complaint narrative:
inaccuracy and incompleteness were found on the accounts i place on the letter including unauthorized inquiries on my credit report.

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 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I saw a Car in their XXXX  page ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ), a XXXX XXXX XXXX XXXX XXXX, I sent a message to their XXXX  message, then they reply to me to switch to XXXX  #, it was XXXX a person called " XXXX XXXX '' ( don't know if it is his real name ) reply to me, send an information about the car, without a VIN #, and ask me to pay half of the value, and the rest will be paid at delivery of the car in my house in XXXX. Negotiation included cost of the car, shipping & handling in XXXX with local # plate included. This negotiation was on XXXX XX/XX/XXXX ( XXXX {$9400.00} ). Then on XX/XX/XXXX he asked me more mone for the container XXXX {$4900.00} ) in which the car will be shipped and then on XX/XX/XXXX asked me more money for the shipping insurance ( XXXX {$5500.00} ), all of this XXXX last transaction was supposed to be returned at delivery. Then on XX/XX/XXXX ask me more money ( XXXX {$2600.00} ) for the clearance an all procedures related to XXXX XXXX and taxes, which was supposed to be included in the initial price of the car. All the payments was done via Wire transfer to a Bank XXXX New York XXXX Bank of America N.A. XXXX # XXXX ) on the name of a XXXX XXXX. XXXX  with address XXXX XXXX XXXX XXXX in XXXX GA, XXXX gave a webpage tracking shipping ( XXXX XXXX XXXX Tracking i XXXX XXXX page that I was checking constantly and showed me the process of shipping, until XX/XX/XXXX page is not working any more ( " This site cant be reachedCheck if there is a typo in XXXX. If spelling is correct, try running XXXX XXXX XXXX. DNS_PROBE_FINISHED_NXDOMAIN '' ). Also this XXXX XXXX is not replying to my messages, last thing that he said to me was that he was XXXX XXXX XXXX fixing a money problems related to cars also. On XXXX  on the pic of the car that I bought I comment that I bought the car and that it was not delivered yet, and they deleted the comment and blocked me. Also in between the process of negotiation this " XXXX XXXX '' offered me if I need another things from XXXX he can use the container to send it which I replied yes, I needed some parts for my cars in XXXX, I sent the information and charged me with an extra XXXX {$1200.00}. In total I paid XXXX {$23000.00} and I'm getting nothing. Thank you for your 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
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I have been used Remitly to send money without problem. On XX/XX/2023, I sent a {$1800.00} USD transfer to a bank in XXXX. The money never arrived. Since that day I have been traying to obtain a copy of the bank transfer number ( not the Remitly reference ) without success. They offer to return the money then said that the bank in XXXX received, that they escalate the situation. It is no manager or legal department to talk and no one have a real answer. Has been 22 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and my account number is XXXX. I have been a satisfied and loyal customer of capital one for six years. Additionally, this account was my very first account I opened after graduating college. 

Your outstanding customer service provided is the reason I have remained a loyal customer. I considered it a priority to make all my payments on time for thirty-thre months. Unfortunately, I fell short of my standards when it came time for me to update my checking information for my automatic payments. 

During the time I opened my first credit card account establishing credit my account was suspended because I was in a car accident, and I was hospitalized for a month, while been hospitalized I had to replace my debit card because all my items were lost from the car accident. While being hospitalized I was not able to update my payment information and my account had fell past due for missed payment. 

I realized it was still my responsibility to make my payments and update my information. Since then, I have recovered and made the payment following the account suspension. 

As a longtime customer and currently in good standing, I respectfully request that you apply a goodwill adjustment on the late payments from my file with all three credit reporting agencies, as im seeking to pay the account off in full XX/XX/2023. 

Thank you very much for your consideration. I look forward to continuing being a satisfied customer of capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a refund from the merchant, see attached refund receipt. Credit card coXXXX has not refunded back to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, XXXX, EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX, EXPERIAN, 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 2023-06-22 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: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
On XX/XX/2023 XXXX am I was harassed by Rep XXXX with XXXX also known as Transworld Systems Inc of an alleged debt. I informed the rep that I was at work and was asked numerous times to not contact me of this debt as to I have no knowledge of. XX/XX/2023 I sent them a notice to request information due to them placing this negativity on my consumer report. I never received any information from them before the notice or a response after the notice. I did not consent a contract with company. They have violated many of the FDCPA laws trying to collect on an allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
During the COVID-19 forbearance, my direct federal student loans were transferred from XXXX XXXX to MOHELA for servicing. Prior to the federal student loan pause, I was on the PAYE IDR plan at XXXX XXXX with a monthly payment of around {$200.00}. Federal Student Aid/U.S. Department of Education is extremely clear about what happens after the federal student loan payment pause ends if you were on an IDR plan prior to the pause. Directly from the FSA/studentaid.gov website, in multiple places : " If you were on an IDR plan before the payment pause began, heres how youre affected : Your paused payments will count toward IDR forgiveness. 
Youll stay on the same IDR plan when payments restart ( unless youve changed repayment plans during the pause ). 
You dont have to recertify before payments restart and for six months after the payment pause ends. '' " You won't be required to recertify before payments restart, and the earliest you could be required to recertify is six months after the payment pause ends. '' Since my federal loans have transferred, MOHELA is stating my payments once they resume will be {$1000.00} monthly. I spoke with several MOHELA representatives on XX/XX/2023, who are stating that I missed my IDR recertification in XX/XX/2023, so I need to recertify now in order to get back on PAYE IDR plan. This is incorrect. Under the rule of FSA/U.S. Department of Education, I was absolutely not required to recertify at any time during the pause, therefore, I could not have missed my recertification date or have been required to recertify in XX/XX/2023. The earliest I can be required to recertify my IDR plan is 6 months after the payment pause ends. Also under the rule of FSA/U.S. Department of Education, my payment once payments resume should be the amount/plan they were prior to the federal student loan pause, which is around $ 207 monthly on the PAYE IDR .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation