vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: MS

Complaint narrative:
I received notification from a credit monitoring company that Allied Collection Service place my under collections for {$200.00} from XXXX. I immediately sent out a request for validation on XXXX by certified mail. 

I have never received information verifying this account. I also requested that XXXX due its due diligence according to federal law XXXX ( XXXX ) ( XXXX ) ( XXXX ) and Section XXXX ( XXXX ) ( XXXX ) ( XXXX ). 

I requested to promptly delete information that could not be verified.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2022 Tried to login to TransUnion website to lift a freeze. After entering my username and password, I was asked to enter a code that would be sent to my email. No code was sent to my email. I tried again several times. I then tried, forgot my login information. Same thing, no code sent to my email. I called TransUnion at XXXX and was told that for online access, I needed to call XXXX. I called and was prompted to enter 1 for English. I did, but the prompt repeated several times. I entered 1 each time, but it did not accept. Then there was a menu of 6 items, none of which applied. Then the system hung up on me. There was no option for a live person. 
I then tried to contact TransUnion on XXXX and received message that they would respond in 24 hours. The response appeared and disconnected after I did not respond within 15 minutes. I tried again and was told that the unlock instructions were sent to my email. I did not receive them. I also tried their secure online help form ( screenshot attached ). After filling out my info 3 times, the screen went back to this page. This is unacceptable for a credit bureau.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP

Complaint narrative:
Years..12 yrs w/Key bank.Now they do not refund fraudulent charges and make a customer jump through hoops to the tune of XXXX XXXX dollars by one predatory debtor..there are morre they never address.NOW after closing the local branch disconnected phone calls and chats..I have no HELP..taking care of this XXXX yr old WW2 vet while they promote themselves on sociaL MEDIA IS UNBEARABLE TO SEE.tHEY ABOLISHED A SAVINGS ACCT W/FEES IN A FEW MONTHS! they GAVE THE wrong DEPOSIT INFO AND MY XXXX  WAS never DEPOSITED.i AM STILL PRAYING TO SAVE THIS FARM PROJECT..BUT NO DEPOSIT BECAUSE THEadvisors AT THE BRANCH GAVE ME THE WRONG deposit INFO..WAS APPROVED XXXX XXXX.NO DEPOSIT. yet.Continuous issues, nightmares in a very scary time for all of us.These folksd do NOT deserve whatever status or license they HAVE to take anyones money..ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae notified me that I have to continue to make payments. I am still enrolled in school but they have told me that I have used my maximum of 48 months of deferment. This conversation occurred today ( XX/XX/XXXX ) after spending 2 hours on hold waiting for an initial rep and then an additional 45 minutes of waiting on a resolution specialist after being transferred for a total of over 3 hours on the phone. 

I explained to them that I live paycheck to paycheck as it is, and with the current pandemic there is no way that I can resume payments until I have earned my degree at the end of Spring XXXX. They wanted to speak to my grandfather who is my cosigner but the man is over XXXX XXXX XXXX with his wife in and out of the hospital ( she just left the hospital yesterday XX/XX/XXXX ). This will be too much stress on him and he is not responsible for the loan. I am. Every time I have spoken to a representative in the past regarding my deferment and picking back up school they have not once disclosed to me that there is a max time of deferment. I also did not get any warning or notifications that my deferment max would be coming soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
unknown person rented a car in my name, it was not me ... remove this debt from my credit report some one rented an XXXX  car in my name XXXX XXXX and it was not me i live in XXXX Ohio, some rented a vehicle in XXXX mas in my name and I do not live in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
There was a transformation at Citizens during which they attempted to merge checking and mortgage accounts. Unfortunately the integration didnt work for me, see below response I received from the company : XXXX XXXX it appears the merge between your Mortgage and your already existing deposit accounts did not complete correctly, and you would need to contact the Mortgage Department in order to put in a request to have these accounts merged. With the merge between Citizens Online Banking and Mortgage, it was meant to allow you to access your deposit accounts and Mortgage from the same login. In this case, it would not show you Mortgage upon logging in due to an error. I would suggest that in order to access your Mortgage that you contact the Mortgage Team at XXXX. 

I have called already three times the number above and was not able to get a support needed to access my mortgage account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I work part time as a contract employee at XXXXXXXX XXXX XXXXXXXX in NC. The company had an invoice that had been sent over to collections to KLS Financial late XXXX. The original company had given the collection company our office contact info and must have given them my personal number as well. I contacted both the company and collection company on a regular basis to let them know how the company was paying the invoice, as we had updates. XXXX XXXX started contacting me in XX/XX/XXXX. I have repeatedly responded to her incessant calls, I originally called her back on XX/XX/XXXX, received her vm and left her a detailed message. I have repeatedly asked her to email me, reply to my emails and confirm receipt of emails. She never does this, in particular, when I have emailed her and let her know not to call myself or family/friends to try and get a hold of me. I have put it in writing to her twice and have yet to receive a reply. She has called my husband, and called 2-3 other people I know that have informed me they have received a vm from her. This invoice/bill is to the company that I work for, I do not own the company and have told her I am only an employee. I am absolutely furious that she continues to harras me on a personal level when this is not even a bill of mine. I am an office worker that just does admin duties there. What gives this company the right to harras an person that works for a company when the bill/invoice is not in my name nor affiliated to me any any way. I have forwarded another email to her today XXXX sent at XXXX, in this email which was sent from my work email, I included the people that work for the company that XXXX XXXX works at as well so that they can see the correspondence. The forwarded email was my original email sent on XX/XX/XXXX letting her know I left her a detailed VM and again was requesting she only call me at the office number which i gave her or my email and to stop contacting anyone else. I also let her know I was only an office worker and this was not my personal 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 2022-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I co-signed a parent plus loan for my son back when he was attending XXXX Connecticut XXXX University. I agreed to sign two of the initial loans he received, but not the additional 6 other loans that my name was used for. My son went online and used my initials to get the other loans. The issue I have is that I should not have qualified for those additional loans as I was going through a foreclosure on my home at the time. The loan officer person, whom I spoke to at Sallie Mae at the the time, said I could have, " Less than stellar credit '' to sign for them. I didn't have any credit at the time! I couldn't qualify for a loan for my daughter because I didn't have credit at that time ( due to the pending foreclosure ). In additional, I never got a phone call, or warning, making me aware of these additional loans and if I was ok with signing for them. I would have vehemently said " no ''! I have been a single mother living on a low-income for years. However, I have been very responsible with paying for my bills. My son has been trying to pay the loans now, and has been encourage to defer them. Is there anything I can do, at this point, to either reduce the payments or sue Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
It says that XXXX XXXX XXXX  account is still open and it is actually closed. XXXX XXXX XXXX sold my debt to account resolution services and I dont recall giving them permission to do so. I would like to see the original contract I signed if they think i did. This account also was paid by my lawyer when we settled for my car accident and it still wasnt taken off my credit report.it also states that it was opened XXXX 2017 but it was actually opened XXXX 2017 my email is 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 2022-01-25 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of america made up ( lied ), perhaps even committed fraud, when they composed a letter of unauthorized chargers on my credit card account. They told they sent me their standard automatic denial letter. The letter stated i had visited the merchants previously but i have NEVER.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX on XX/XX/2021, and XXXX XX/XX/2021. 
2. XXXXXXXX  XXXX XX/XX/2021. 
3. XXXX on XXXX the 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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE CREDIT CARD ( XXXX XXXX ) ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) IS CLAIMING I OWE THEM {$260.00} AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND LATE 2019 DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. 

XXXX XXXX ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) did not supply all requirements under 15 usc 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible 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 non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MidAmerica Mortgage Inc
State: CO

Complaint narrative:
Loan XXXX with Mid America Mortgage was modified XX/XX/2019, but my monthly statements never reflected the modification or showed me current ( and yes I was making my payments ) until the loan was transferred and sat on for 4 months. Loan balance at the time of modification was {$130000.00}. with a maturity date of XXXX/2047 this was reflected on XX/XX/2019 statement. On XX/XX/2019 statement my monthly payment as well as a payment amount of {$25000.00} was shown in my unapplied balance. Neither amount was posted so I was still showing past due. I called the servicing company and asked why this was and was told they were working on my loan so I continued making payments over the phone. Then my loan transferred to XXXX XXXX XXXX loan # XXXX and I finally received a statement in XXXX after not receiving XXXX. I was upset to see that the program made to help XXXX XXXX came at such a huge cost. My new statement still showed me past due with additional fees added that came from the previous servicer according to XXXX XXXX. Well after 2 years of phone calls and life changing events I was able to bring my account current and hoped they would take me seriously and correct all the months of fees and interest that accrued in error. And post my payments correctly so my statements are understandable. I have sent several requests and made more phone calls and have gotten no response. MidAmerica Mortgage operates under several names and seems to change servicers following a modification or charging you huge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. 
APPLE CARD - GS BANK ***** Opened XXXX XXXX, 2020 Balance {$2100.00} APPLE CARD - GS BANK Number XXXX Opened XXXX XXXX, 2020 Balance {$2100.00} GS BANK USA *XXXX Opened XXXX XXXX, 2020 Balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-25 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: RI

Complaint narrative:
I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2022 there were four ( 4 ) transactions from the account I have with Cash App in the amounts of {$3000.00}, {$2000.00}, {$1000.00}, and another {$3000.00}. The transactions were fraudulent and I disputed the transactions on XX/XX/2022. I also disputed the transactions with my bank and my bank stated that Cash App is responsible for the fraudulent claims. Because of this matter I have went to the authorities to have this issue rectified. Law enforcement has instructed me to try to dispute the transactions again. I did dispute the transactions again on XX/XX/2022. Cash App again, denied my claims. I have proof/evidence of my account being used fraudulently, though this matter can not be resolved with my bank until Cash App returns the funds to my Cash App account so that the funds can be given back to my financial institution I'm which the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE BANK XXXX ***** Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00}

Company response to consumer: Closed with explanation