vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Requested verification of debt being owed to me. Advised this debt does not belong to me via several letters.

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: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Received an email from someone claiming to file and misrepresent themselves and call my job and put me in jail saying they represent some loan companies. Says upon receiving this email they will issue a legal warrant on my name within the next couple of hours and if I email is forwarded then that its prohibited and illegal. I do not know the firm pertaining to this debt. They have my social ( someone stole my social and filed unemployment ), drivers license number, date of birth from an address 8 yrs ago.. says I can lose my job, and downloaded into the state and county systems and all 3 credit bureaus. Name of company is XXXX XXXX XXXX, XXXX XXXX, Sr. Investigator @ XXXX XXXX XXXX. XXXX. They have all my personal information on this email which is not secured and asking for {$8300.00} as my loan 8 yrs ago was for {$700.00} or $ XXXX.I believe its a scam.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: Credit Technologies, Inc.
State: MS

Complaint narrative:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, SYNCB, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to 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 2021-07-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX, Barclays Bank, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to 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 2021-07-22 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: TX

Complaint narrative:
On XX/XX/2021 letters were sent to Transunion, XXXX  and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a fraudulent check, against me, 5 years after the fact. 

They sent a collections account to " written off '' status without ever sending me notice of the alledged debt or making any attempt to collect on it. I filed a complaint to the NM Attorney General 's Office and they are in AGREEMENT with me that this debt did not go through a legal debt-collections process and it should never have been written off. 

I notified XXXX XXXX XXXX that they were trying to collect on a fraudulent check, on an account that was supposed to already have been closed, and they refused to accept any fraud report or do any investigation about why this account was sent to " written off '' status without ANY ATTEMPT to notify me of the alledged debt, or to collect on it in any way. 

I filed a police report to XXXX Police Department, claiming fraud, over this specific charge. XXXX XXXX is made no attempt to notify me that they were trying to collect on a fraudulent charge against me, on an account that was already closed. This is an illegal collections practise and I have the NM State Attorney General 's office on my side in 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 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I filed a dispute with XXXX  XX/XX/XXXX Report # XXXX in reference to my car loan with PNC bank. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. PNC bank refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to XXXX. XXXX  reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at XXXX  who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.

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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021 I realized my tax return was being sent to the wrong bank account. My bank account ends in a 2, but the bank account I had put on the form ended with a 4. I called the bank 1st think Monday, XX/XX/2021 ( the date of the direct deposit, ) to inform them of my situation. I spoke to a manager who told me they located the direct deposit, and that they were putting a stop to it. I was told the money would be rerouted to my account in 24-48 hours. 4 days later on XX/XX/XXXX I received a notice that no action was being taken. I called the bank and was told my refund was rejected. Per the IRS website, I saw that once rejected the money would go back to the IRS and I would be sent a check. Fast forward to XX/XX/2021. The Stimulus payments were about to go out and I called the bank to give them a heads up, since the IRS is using banking information from tax returns. It was during this call I was told that my refund was NOT rejected, it was placed in someone else 's bank account. The woman I spoke to was so rude I got off the phone crying. I spoke to her manager who told me that she would do everything she could to help fix everything. I was also told that we would be getting our money, and that worst case, the bank would take a loss. We continued talking to the bank for days. They did end up sending the stimulus money back, and I received a check from the IRS. I still have received nothing for my taxes. I have called the bank multiple times and I am given different answers each time. I escalated to the regional manager who told me there was nothing they could do. The IRS told me the check should have never been accepted since it had our names on it, but the bank continues to say that refunds have no name. Fast forward yet again to XX/XX/2021. Child Tax credit payments are getting ready to be sent out. We called the bank AGAIN to let them know this payment will be going into this person 's account. We are told they will get back to us. A week later we call AGAIN. We filed a claim, the payment went into the people 's account on XX/XX/2021. I received a notice today that the claim has been rejected. Someone called and left me a voicemail on XX/XX/2021. I called back the same day and left her a voicemail and never heard from her again. It's ridiculous that we are told so many lies, no one is helping, and someone has {$6900.00} of our money in their account. And we know it's an actual bank account because one of the tellers told us it belonged to someone. Same routing number and every digit the same of the bank account number aside from the last number being a 4 while ours is a 2.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
Advised company via several letters that this debt is not mines and requested verification that the debt belongs to me. Have not received any correspondence and account still reflects negatively on my consumer reports.

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

Complaint narrative:
Steps taken in an attempt to make a payment to Apple GS Bank Card. 

- Over 6 hours on the phone with customer service, customer service supervisors. 

- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. 

- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction - Inquired about possible auto-pay directly to GS Bank via home bank auto-pay - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to collections - Inquired about any other possible payment methods OUTSIDE OF creating another bank account - Spoke with manager as Goldman Sachs corporate office, said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, I was informed this will not be removed - Discussed options with a licensed attorney - Opened a dispute with XXXX  credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Forbearance period was XX/XX/XXXX through XX/XX/XXXX, I resumed payments on XX/XX/XXXX. My promissory/forbearance paperwork was drafted incorrectly ( typo ) and never corrected during 90 day period. I contacted them multiple times with correct information but they wouldn't correct it. Company tried to force me to sign for 8 payments, not six. Sold my loan without paperwork in place, reported delinquent, credit problems immediately. New company will not honor any previous FHA guidelines for forbearance protection.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violations : and HIPPA not mine : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX no creditors : Original creditor : {$330.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$330.00} - Payment Info Original balance - Balance {$330.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements - XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$70.00} - Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Payment Info Original balance - Balance {$70.00} Status - Status date XX/XX/XXXX Additional info Comments Placed for collection Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} - Payment Info Original balance - Balance {$1100.00} Status - Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact POB XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00}

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: VA

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, after XXXX shopping, I couldn't find my credit card. A few days later I noticed charges including a charge from XXXX  of XXXX dollars. I froze the card and called customer service. They told me it wouldn't be an issue since my account is protected. And returned the money. 

Several weeks later they decided that since the purchases were made nearby I must have had my card and charged me without consent and took money directly out of my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC.
State: WA

Complaint narrative:
I do have a debt owed as a result of a payday loan I got from check into cash. The collection agency that holds the debt is XXXX XXXX XXXX. However I received an email from XXXX XXXX XXXX claiming my debt is from XXXX  cash. Initially I thought it was legit and said Id be making a payment in the next few days. But after the reading the email nothing about it seems legit, the verbiage is off and seems to scream scam. Then I realized the original creditor is wrong and its not the correct debt collection company. The email is a XXXX email address or a mail depot address

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian XX/XX/XXXX Report # XXXX in reference to my car loan with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. XXXX XXXX  refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to Experian. Experian reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at Experian who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking 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 explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2021, I was told by a Wells Fargo customer service agent that if I turned overdraft protection off of my debit card, I would no longer be charged overdraft/ NSF fees. She said if you are charged, for some reason, you will still be eligible to have those fees reimbursed. So I had her turn the overdraft protection off of my debit card. However, in spite of turning it off- I have been charged 15 fees since then. Today I called and spoke with a rep who offered to reimburse 1 fee, he then transferred me to his manager, XXXX, who offered to reimburse 4 fees. I do not think that is acceptable because I was told I would be charged 0 fees. Why should I have to pay 11? Additionally, I turned overdraft off of my account.

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