vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for and received a Loews XXXX consumer credit card through Synchrony Bank. I made two separate purchases with this card in the amounts of {$120.00} and {$260.00} respectively. I attempted to make a full payment on the first charge on XX/XX/2021 debited from my checking account at XXXX XXXX XXXX XXXX For reasons unknown to me, it was rejected. The account and routing numbers were correct. Thinking that I possibly erred the first time, I resubmitted my banking information and submitted the payment a second time on XX/XX/2021. I was subsequently notified that this payment had also been rejected. I contacted my financial institution and resolved the problem by having anything charged from Loews on this account forced through by the individual in charge of verifying routing and account numbers on charges to my checking account. I was told that other members had similar problems with Loews. Bear in mind that after this had been done, this charge of {$120.00} was paid in full on XXXX, 2021 and the subsequent charge of {$260.00} paid in full on XX/XX/2021. Even so, Syncb/Loews saw fit to close my account due to the initial rejection of payments. Also, bear in mind that this company is the only one that I have dealt with that has had any problem whatsoever in debiting my checking account for bill payment. I pay all my monthly bills in this manner. The closure of this account has appeared on my credit report. I have an XXXX credit rating. My payments were on time and in full. In doing this I feel that Loews and Synchrony Bank have impugned my good name, regardless of whether or not my credit rating is adversely affected!

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 2021-07-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft AMEX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MS

Complaint narrative:
In XXXX of 2021 XXXX made an unauthorized charge to my checking account. I disputed the charge for fear it was fraudulent. My bank saw it fit to reverse the charge and permanently give my money back. XXXX says it was a level up paymet to add money to my XXXX account. I have never authorized such a transaction, when I use XXXX  it draws from my debit card with my bank. I have no need of a XXXX balance. I never authorized the transaction, and I can find no record of authorization. XXXX has been very unclear. I have disputed the charge, I have chatted with a customer rep from XXXX, I have spoken on the phone with a rep as well. I have also emailed XXXX. They have been of no help. All they want is for me to make the payment they could care less that I never authorized the charged. They made an error and they want me to pay for it. They also sent me to third party collections and the collections agency has contacted my parents and spoke to them over the phone about the debt, they also sent a letter to them and they opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MO

Complaint narrative:
After I found this collection agency, Mountain Run Solutions, on my 3 Consumer Reports I sent them a Notice of Dispute and Demand for Proof of Claim. I requested full verification of the alleged debt owed within 10 days or I would " construe their failure to comply as their absolute waiver of any and all claims against me. '' ( certified letter delivered XX/XX/21. ) I told them that since I hadn't established a financial obligation with Mountain Run Solutions, they have issued a False Bill by trying to collect by mail.

I outlined the US Codes that defined Mail Fraud, Creditor, Debt, Debt Collector. 

XXXX XXXX of Mountain Run Solutions responded to my Notice with another attempt to collect a debt, dated XX/XX/21, offering to delete the account from all credit bureaus in exchange of me paying a lower amount ( {$1500.00} ) than originally alleged to be owed ( {$2100.00} ). He also sent minimal verification documentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: NY

Complaint narrative:
It has come to my attention that American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX  never loaned me money. Banks can not loan money, Congress never gave banks the power to loan money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DFC Global Corp.
State: CA

Complaint narrative:
I was contacted XX/XX/2021 by a company that told me their name was XXXX. They said that they were attempting to collect a debt for a pay day loan company called Money Mart. Also, on XX/XX/2021 this company contacted my mother. I never gave This company XXXX any authorization to contact any of my relatives. They spoke with her in a manner leading her to believe that I was in serious legal trouble or trouble with the authorities. The company XXXX told me that they did not have a website or an address. I feel really uncomfortable deal with a company that can not or will not give me information to verify them. I also dont like that they called my Mother without authorization from me to contact a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Managed Recovery Systems, Inc.
State: SC

Complaint narrative:
Spoke to the front desk onXX/XX/XXXX and ask about the accounts they are reporting to credit bureaus. She couldn't give me any info on these accounts and told me to call the original creditor. This collection agency is reporting false and misleading info to the credit bureaus and it affected me tremulously. 

They no longer have the XXXX XXXX XXXX account. 

I called XXXX XXXX XXXX hospital and they could tell me nothing besides calling the solicitor 's office. I called the solicitor 's office and they didn't have anything on record. 

I called XXXX XXXX XXXX and they said I paid {$180.00} onXX/XX/XXXX that was the only info they could provide. 

I called XXXXXX/XX/XXXXand they email me a bogus invoice with false info. I didn't start service until XX/XX/XXXX - XX/XX/2015. They enter an amount at the end of the invoice for {$75.00} with a false date. this is fraud. 

The collection agency is reporting this info but can not validate or have any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I applied for a personal loan with this bank for my husband and I under our name and our own socials. In middle of the day I had a complete stranger knock on my door claiming that I had stole his identity and was trying to get a loan. I asked him who gave him my home address and he stated that one main financial did along with my email address, my driver 's license number, MY HOME address and phone number so he can track me down. This man had the same name as my husband and same last 4 digits on his social as mine. So someone at one main financial badly screwed up 2 different people 's information. When we called the bank together, of course they denied everything. They gave my personal information to a complete stranger who showed up at my door, the situation could of went in so many different ways even really bad, luckily it did not and we came to realization that few people at this bank messed up bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I XXXX XXXX went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Chrysler Capital took cash. The finance charge is suppose to include insurance, but Chrysler Capital made me purchase insurance separately. The finance charge for this consumer credit transaction was {$7700.00} and Chrysler Capital charged {$43000.00} which is fraudulent. Chrysler Capital also didn't give me a right to rescind and under Truth in Lending thats a violation of 15 USC 1635. Chrysler Capital also sent someone to my residence to pick up the vehicle which is theft and sold it for {$19000.00} even though the finance charge was paid. Chrysler Capital took it a step further and sold my account to a 3rd party debt collector and placed negatives remarks on my consumer reports. Now I have a some debt collector who I've never done any business with is harassing me by mail and they too have placed negative remarks on my consumer report which is a violation according to the FDCPA. With the actions of Chrysler Capital it has really been a burden on me to provide for my family because I am being denied a right to credit from the negative remarks from Chrysler Capital.Chrysler Capital sold the account and continues to report it on my consumer report. I loss my business because the property Chrysler Capital took was a XXXX  vehicle which ruined my income and the stability of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
Ive made numerous attempts to retrieve a copy of my title from Hyundai Motor Finance. Each rep has told me something different, and I can see that all 3 requests Ive made have been closed, yet neither I nor the XXXX  DMV have a copy of my title. I moved over a month ago from XXXX  to XXXX XXXX and I need this paperwork to register my car in XXXX XXXX. If I dont get a copy of my title soon, my car will literally become illegal to drive.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

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 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am planning a family vacation and I used Paypal for a few family members to send their money to me that is owed because I am booking it all at the same time. The money is owed to me. Back on XX/XX/2021 XXXX XXXX, my relative, sent me {$5000.00} it took a week for it to be available in my Paypal. On XX/XX/XXXX XXXX XXXX also sent me {$4000.00}. When XXXX first sent the {$4000.00} she accidentally sent it for a " product or service '' so I texted her and immediately told her I will cancel it and told her to send it again as " to family ''. She sent it again correctly this time. Paypal sent me a message on XX/XX/XXXX saying that I need to verify all my transactions, upload a government ID, and proof of address. I uploaded all of that information and they restored my account. They asked me for this EXACT SAME information again a day later and then closed my Paypal account on XXXX with out reasoning. Also holding on to over {$9000.00} in my Paypal account. My family even reached out and advised that the money was sent to me correctly and they still have not released it to me. They have told me that I will have to wait 180 days. That is unacceptable. Nobody has disputed the money and it was never anything fraudulent. This money needs to be released to me immediately in either a check or to my XXXX or XXXX XXXX account that I already have linked to Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: TX

Complaint narrative:
I have disputed multiple inaccurate accounts with XXXX Transunion, and XXXX  and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!

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 2021-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed multiple inaccurate accounts with XXXX, XXXX, and Equifax and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I was contacted by Bank of America prepaid debit card fraud department, from my North Carolina unemployment, in regards to a potential fraud case. The representative I spoke to stated there were charges initiated that were potentially fraudulent and needed to cancel my card and have a new one sent out. I filed a claim and claim number XXXX and my claim was approved on XX/XX/2021. I received a letter from Bank of America stating that {$230.00} would be credited back to my account within 10 business days and as of today which is XX/XX/2021 I have yet to receive that credit. I have called in numerous times spoken with several different managers and supervisors who have told me a number of different things in regards to when the funds would be placed back into my account. I was told one time it would be in there within 48 hours and then another time it was going to be in there within 30 to 45 minutes. And as of today still no credit. I have been misled and given false information by several different representatives and managers. Every time I call back I'm being told something different. I call in everyday trying to see where the status of my account is in regards to the escalation that was done in trying to see where my credit was and today XX/XX/2021 I was transferred to a supervisor by the name of XXXX who told me that I needed not to call in every day that it was not going to do anything and that I just needed to be patient and he hung up on me. My money should have been back into my account within the 10 business days that I was promised via the letter I received from Bank of America. Over the last 45 days the customer service from the representatives and supervisors in the claims department have been extremely poor they have not tried to help me and assisting me with putting my money back into my account all they've been doing is giving me the runaround and information that has not been accurate just to get me off of the phone. Also I've been told that I'm not able to communicate with anybody in the department who has the ability to credit me back my funds that the only way to communicate with them is through a request through their system. That no Representatives have the ability to communicate with anybody in the research department. That there's no phone number available and that they can only communicate with them through a systematic request.

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 monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I tried to send money to a friend ( Moneygram transaction XXXX XXXX XXXX XXXX on XX/XX/2021. My friend was not given the money at the receiver end ( by Moneygram agent ) despite my and his following ALL Moneygram disclosed procedures and instructions exactly. When I called Moneygram at the time, they told me they were helpless and asked me to cancel the transaction and try another agent/location. That is what I had to do. However, Moneygram did not refund me the Fee which was assessed on my credit card for the now cancelled transaction. The case created on their end XXXX XXXX XXXX XXXX XXXX has not yielded a refund of fee yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MI

Complaint narrative:
I have been a victim of identity theft and these items should be removed from my credit report because I did not do these.

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