vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Hello, I received a complaint from XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Discover Bank vs. XXXX XXXX XXXX. 

Amount of {$2100.00} and costs of {$110.00} Docket # : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX. 
XXXX, NJ XXXX An am pretty sure according to the Fair Debt Collection Practices Act : XXXX : XXXX https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on XX/XX/2021, the CFPBs new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights. 

Kind regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MS

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VT

Complaint narrative:
I represent a client, XXXX XXXX XXXX, account no. XXXX. Her loan was transferred to Selene Finance from XXXX  XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Vermont HAF program sent {$33000.00} to XXXX  XXXX XXXX to reinstate XXXX XXXX 's account. However, those funds have not yet been applied to her account and is still showing as delinquent. On XX/XX/XXXX, XXXX, XXXX XXXX called Selene Finance and was informed that her account is now showing as past due {$37000.00}. I am attaching the V-Record from XXXX confirming that the reinstatement amount good through XX/XX/XXXX was {$33000.00} and the B-Record showing that the Vermont HAF program disbursed {$33000.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX applied to XXXX XXXX 's account. Further, I am attaching an online statement from XXXX  XXXX XXXX showing that as of XX/XX/XXXX, the reinstatement funds had not yet been applied to the account. 

XXXX  XXXX XXXX and Selene Finance have failed to properly apply the HAF funds to XXXX XXXXXXXX XXXX account. Her account should be showing as current and due for the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: IL

Complaint narrative:
My XXXX XXXX XXXX get charged, some cheap cigars shops in XXXX I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with discovery card in XXXX I get charged {$3000.00}. XXXX some modeling agencies in XXXX, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I never gave the Credit Bureaus consent in assembling and evaluating credit and information on my account. The Credit Bureaus were not responsible, unfair, partial and did not respect my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
When will the harassment end? This is harassment!!!! Aggravated harassment abuse is illegal. Portfolio Credit Recoveries is lying. I am the consumer, a natural person AND the original creditor. You can not VERIFY debt without me. Have you verified? I will not be providing identity documentation because your response to my complaint proves my claim. I do not owe you this alleged debt. Please find proof of my disputes that you fail to provide documents that VERIFY this alleged account belongs to me. A statement does not prove an identity. As stated, your aggravated identity theft tactics can not coerce me into paying this alleged debt. I am protected by law. You are a debt collector, you are not the original creditor. I am the original creditor. Show me proof that I owe this money from YOU. Show me the bill of sale that you paid for this alleged debt. Please find attached, my proof of cease to desist along with certified proof. I will be contacting the Attorney General about this abuse as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
On XX/XX/2021 a loan modification agreement between myself and Loan Care mortgage company was signed and notarized ( see attachment 4 ). 

Loan Care has continually violated the terms of the agreement. 

Monthly payment were set at {$450.00} ( see attachment 2 ) and have repeatedly been adjusted in violation of the agreement. ( See attachment 2 ). 

Payments continue to be made into the escrow account, which I have requested on numerous occasions, be stopped, and be transferred to my control AS PER agreement terms ( See attachment 3 ). This is AGAIN a violation of the agreement. 

Im requesting that the Lender, Loan Care, comply with the legally binding agreement that was signed.

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2022-08-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The issue involves the Apple Card by Goldman Sachs Bank USA. 
I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit.. 
I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
They refuse to resolve and while they state they will send in dispute, I receive nothing. 
It took forever to close this account, another 2 hour ordeal. 
I have never dealt with such an incompetent company in my entire life. 
I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Venmo has held my money hostage since XXXX XXXX!! They refuse to fix whatever issue it is saying causing my account to be frozen!! I cant get my money out of the account and I cant send it to anyone else!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NE

Complaint narrative:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Every single month i am here to get my personal information corrected or inaccurate information removed with this company! I have told them several times what my information should read. You continue to add information that is not mine to my report. 
The ONLY RESIDENTS THAT SHOULD REPORT ON MY REPORT IS XXXX XXXX XXXX XXXX PA XXXX. I NEVER LIVED AT THE 2 LISTED ADDRESSES YOU HAVE ON MY CREDIT REPORT. WHY DO YOU CONTINUE TO PUT THIS ON HERE! 

I AM TELLING YOU TO REMOVE THOSE ADDRESSES AT ONCE! 
IM GETTING EXTREMELY SICK AND TIRED OF THIS! 

Match the information that has been provided and corrected by the other credit bureaus

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?

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 2022-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?

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 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: NE

Complaint narrative:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I XXXX XXXX XXXX purchased a timeshare on XX/XX/2022, with XXXX XXXX at their XXXX XXXX XXXX. Prior to this purchase, the account with American Express did not exist. The sales staff pressured me to apply for the credit card and then charged the full amount to this account for the vacation interest in the amount of {$12000.00}. 

The sales representatives insisted that I apply for this account even though I would have preferred to not use a new account. They also insisted that the full amount be placed on the card to cover the cost of the contract purchase with XXXX. 

I later discovered that the vacation interest is nothing like what was told to me at the sales presentation. We were advised verbally, and they visually demonstrated to us that the Resorts would only cost a certain amount of points which was a lot lower than the points would actually cost. 

Due to the misrepresentations made by XXXX 's sales reps and the pressure placed on me to apply for this American Express account I am disputing the full amount that was charged to this card on XXXX XXXX in the amount of {$12000.00}. 

Please note the amount for the contract that was charged to the American Express was more than 50 % of the total cost associated with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX sold my debt illegally to another company a collection company XXXX XXXX XXXX in XXXX for {$15000.00} and {$2000.00} without notication. I spoke with a representatives from from the XXXX credit bureaus to try to get them removed. The credit bureaus denied my request to have them accounts removed because is illegal to sell my debt and not report it but still have the original debt holder on my credit report. The company didn't do nothing to help XXXX would like to have these accounts removed from all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX Truist Bank opened an online account with someone claiming to have my social security and date of birth and address. None of this was authorized by me and I have cooperated with the bank but they refuse to provide me additional information about what email address was used to open this account and what phone number. They have agreed it was not mine and have closed the account down. They are citing a privacy law on not providing more information on who may have opened this account illegally. I have been in touch and have asked what privacy laws are being violated in providing me the victim that information and they will not return my calls or emails.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is closing my account because of high amounts going into the account through XXXX and being withdrawn which isnt illegal and my fiduciary account is being closed also that is illegal because it was set up by a lawyer for myself and they wont keep it open when I need it

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