vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 someone used my card at an atm and pulled {$640.00} out of my account, this was when I realized my wallet was gone. I called bank of America immediately to report fraud. I also called edd. This atm was in another city at least 100 miles from my home. On XX/XX/21 edd lifted the hold on my account after their investigation, and verifying my identity. Now bank of America has been giving me the run around telling me that there is a hold on my account still from edd after I had given them the reference number several times. Still nothing. I received my new debit card already. Please help me solve this issue it's hard enough in these times having to be on unemployment and it being my only source of income raising XXXX toddlers. But to have to deal with the Bank giving me the run around and tell me they are waiting for edd when edd has already done their job.

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 2021-03-18 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I had an account with ATT that I paid monthly through my att portal login. 

After i paid the balance in full, i received a credit reporting alert from Experian notifying me that a collection was added to my account. 

I pulled my report and a company I have never heard of SUNRISE CREDIT SERVICE, was listed as a collection. 

I called the SUNRISE CREDIT SERVICE immediately, and explained that they have erroneously reported as a collection on my credit report. 

The representative said that I should call XXXX I explained that XXXX  has nothing to do with SUNRISE CREDIT SERVICE reporting as a collection on my report and XXXX XXXX XXXX needs to remove this error immediately. 

I contacted XXXX  to inform them of the situation. They opened a case and was suppose to contact me with a resolution by XX/XX/XXXX. 

XXXX  never contacted me back with a resolution. When speaking with XXXX, I told them I have always made payments to XXXX and I have no knowledge of SUNRISE CREDIT SERVICE.

When I checked my report, a few days later, SUNRISE CREDIT SERVICE, updated that I had paid them in full.

SUNRISE CREDIT SERVICE is reporting untrue information. I never received any correspondence or any information about this company. I had never spoke with them, nor paid them any amount. I did not know this company even existed. 

I have my XXXX statements that show I made all payments to XXXX  through their client portal, as I have for years. 

SUNRISE CREDIT SERVICE needs to remove their name from 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 explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} XXXX plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing BRL XXXX. 

The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL  when I paid and was XXXX BRL  when the money was deposited the following day. 

I had contacted Western Union for an explanation or solution and have been given a vague answer that the contracted transaction is " only an estimate. '' No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
Ever since there were problems with my card family members kids making purchases by accident I can not buy anything any coins or anything on the game

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Back on XX/XX/2020 I send in additional PRINCIPLE ONLY payment of {$45000.00} which XXXX XXXX XXXX mis-applied to future monthly payments. Only after previewing the payment history I made contact with XXXX which did admit fault and finally did a reversal on the payments and re-applied to the principle payments only. XXXX for some reason canceled my auto-pay monthly payment setup and received a foreclosure letter in the mail that I was two month delinquent which I promptly got current. Meanwhile the supervisor at XXXX promised me that he would talk personally to their credit dept to make contact with the credit bureaus to make sure my credit score was not effected just because of their fault. I checked with credit and I had a high XXXX credit rating and my wife XXXX credit rating which now is low XXXX 's and cant get anyone at XXXX to make the correction. I had been dealing with a XXXX XXXX XXXX XXXX ID No. XXXX ) at XXXX that had made the promise he would hand walk their mistake through, which he has not.

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 2021-03-18 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: NV

Complaint narrative:
There is a collection company on my Experian report that does not belong to me. It doesn't show on my other bureaus. I have filed for id theft. Please remove this credit from my reports because this has left me homeless. Thank you.

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 2021-03-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On a multitude of occasions. I've both contacted the original company XXXX XXXX as well as Experian in regards to inaccurate and fluctuating High Balance information and ask that it be deleted from my consumer file. They continually refuse to do so. On 3 seperate occasions I've sent my request to Experian only for them to return claims of accuracy. They have been deleted from XXXX XXXX XXXX but for some reason no one at Experian will check to validate & verify my claim. Who did they call, where did they check and who did they talk to and at what agency or company? With each dispute they either keep moving around one word or the fluctuating balance. I am asking you to please mediate before my last resort of seeking legal matters to rectify this wrong. XXXX XXXX XXXX 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 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My wife and I were under contract to refinance our mortgage with Freedom Mortgage, with the closing scheduled for XXXX XXXX XXXX XXXX on XX/XX/2021. The notary never showed up for the appointment and didn't even have the courtesy to call us to let us know he wasn't coming. When we tried to reach out to our licensed loan officer at Freedom Mortgage, he did not respond to any of our phone calls or emails. Now we have to make XXXX 's mortgage payment that we were supposed to skip and pray that we can continue the process on the same terms now that our loan approval has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue. 

XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it. 

3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months.

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 2021-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have reached out to Navient on my student loan account about a month ago. I spoke with the customer service agent about how my account shows an original balance of {$10000.00}, but it also shows a previous balance of {$25000.00}. I have a copy of this information showing the conflict in information. I spoke to the agent and she stated that her and her XXXX was going to review my account and send me a detailed statement/breakdown of my account as well as the original promissory note for my review. I have yet to receive any information from Navient. I have been paying on this loan since 2010, and have made every payment on time. The agent also stated that I was in forbearance, which was untrue because this loan was never in forbearance. I also noticed on my account that Navient did not apply two payments to my principal but only to interest. Also, I don't understand how I keep getting notices for unpaid interest on my account. Also, I noticed that the payment amount differs every month. It shows every month what goes to principle and what goes to interest. This company is known for being untruthful about things regarding information on your account. Something really needs to be done about this company. I believe they are over charging customers and denying customers certain things to keep them bound in bondage to them. This is very an unscrupulous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a XXXX Master Card through City Bank. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this companies but with no real help offered. I wrote a letter to XXXX on XX/XX/XXXX and they wrote back still offering no real help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
3 days ago, I received a notice from a debt collector, Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : XXXX XXXX - Client Account # :XXXX - Convergent Account # XXXX. 
The notice states that I owe XXXX XXXX {$850.00}. I had NEVER heard of XXXX XXXX before I received this notice, nor have I EVER done business with them. 
I called Convergent who told me to call XXXX, which I did. I called XXXX Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call XXXX Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called Convergent. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called XXXX Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in Oklahoma 20+ years. There are no XXXX XXXX here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for me.

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 2021-03-18 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: FL

Complaint narrative:
I have contacted Transunion on 4 occasions and sent in all documents requested to remove the in accurate incorrect Bankruptcy on my file, I have not gotten back any information from them I've called now for the 5th time in 5 months and still haven't received any resolution to this matter.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
A company named XXXX is calling on behalf of XXXX. 

Theyre asking me to verify private information before they will tell me why they are calling. 

I have not given any private information and they wont give me a reason that they are calling. 


I called XXXX who I do currently do business with and all of my bills are paid and no outstanding items were ever sent to any collections agency. They also said that they do not do business with any company called XXXX. 

So this is an attempt to collect a debt that is fraudulent and theyre trying to steal my personal information. 

The phone number that they are calling from is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported TRANSUNION Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





TRANSUNION XXXX XXXX XXXX Transunion XXXX-President and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Executive Vice President TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL 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 2021-03-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail

Company response to consumer: Closed with non-monetary relief