vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: UT

Complaint narrative:
Helvey & Associates are reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is past the statute of limitations in Michigan and past the credit reporting limit. This is a violation under the FCRA and it must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: MD

Complaint narrative:
I received an email on XX/XX/21 and was not given the full 30 days to validate debt prior to credit reporting. I have since emailed twice with no response. 

Thi is a clear attempt to damage my credit reputation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Syncrony Bank issued a Sam 's Club Mastercard to me. I willingly signed up for autopay. Then paid them {$7000.00} from my checking account. They did not process the transaction until the after the due date while taking another {$6500.00} from my account. They refuse to revers the ACH transaction and insist I must wait weeks for a hard copy check, that my get lost in the mail. Meanwhile I am overdrawn and paying interest on the money they stole from 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 2021-06-21 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: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I received an email from Citizens One Personal Loans congratulating me on my purchase of XXXX XXXX XXXX The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to Citizens Bank, the line of credit approved was for {$1600.00}. I do not own an XXXX or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX 

I took action freezing all of my credit reports and filed a report with XXXX to dispute the inquiry. XXXX denied the dispute. Upon calling XXXX, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
From XX/XX/XXXX XXXX XX/XX/XXXX Village Capital was know that we had agreed to go into National Emergency Forbearance.. 
As of XX/XX/XXXX we were out of forbearance. 

XXXX of XX/XX/XXXX, I found out that Village Capital had reported on our Credit report that we were 120 delinquent on our account. Village Capital was contacted and asked to remove this from our credit report and I asked Village Capital for a letter stating that this was done. 

On XXXX XXXX I contacted Village Capital and they stated that it will be mailed. I also asked if they could email me this letter and they said no because of personal information included. 

On XXXX XXXX I contacted Village Capital and they stated that it had been mailed, but at this point I had not received. 

As of XX/XX/XXXX I have not received any letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had a charge of XXXX taken out my account via " XXXX  XXXX  '' I filed a complaint with chime, they ask me to call tmobile on 3 way, tmobile has no record of any transactions with my card, the results came back and I was declined because there " investigation " showed that I made a payment to tmobile for XXXX $ in XXXX, this was an inadequate investigation pulling up my transactions history don't Mean this charge was authorized, further more I didn't make any payments to tmobile in XXXX. I opened a second claim stating that, and it was declined again. Hence tmobile has no record of any transactions at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
TRANSWORLD SYSTEM INC is reporting inaccurate information on my credit report. Not only that, but they are refusing to provide proper validation to this alledged debt and several violations are reporting on this account. i have tried to resolve this issue for months and the company has not been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: BMW Financial Services NA, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt continues to report. This debt is well over the statute of limitations Michigan and are past the credit reporting limit. This is a violation under the FCRA and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
We recently ( XX/XX/2021 ) re-financed our mortgage with XXXXennyMac Loan Services. During that process, we formally opted out of the sharing of our personal data with third-party marketers. However, we immediately began receiving solicitations from marketing firms possessing very precise information about our days-old loan. We called PennyMac 's office that ostensibly governs this activity ( XXXX ) but were told that PennyMac was not interested in ceasing the sale of our private information which PennyMac had legally committed to abstain from sharing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: FL

Complaint narrative:
Someone tried to apply for some things in my name

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 2021-06-21 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: FL

Complaint narrative:
Someone tried to apply for some things in my name

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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MD

Complaint narrative:
After reviewing my credit report I notice that this company ( Westlake Financial Services ) are violating my rights as an consumer. My reputation have been defamed which is a violation according to 15 USC 1692 H. I have been harass at all forms and my credit have been misused and abused. As a consumer I have rights and this company is violating my rights as a consumer. The following laws are been violated 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. All violations are {$1000.00} per occurrence. I have attached a copy of my License to help identify 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 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My wife & I refinanced our house for a 15 year mortgage through XXXXXXXX XXXX XXXXXXXX which was great. They said we could pay off out home in 12 years if we paid Bi-Monthly in which we took advantage of. Our new Mortgage Payment with Taxes & Insurance came out to {$1500.00} a month. Our bi-monthly payment was {$770.00} every 2 weeks. 

Citizens One Mortgage bought out our loan after two months. In the begging they tried saying I owed something like {$2000.00}. I said I pay on time every two weeks. If there is any money outstanding then XXXX has my mortgage money. Now again, Citizens One Bank is accusing me owing over {$3700.00}. I have been paying Citizens One every two weeks like clock work to pay off my home mortgage faster than 15 years. They also are trying to automatically raise my Monthly Mortgage Payment from {$1500.00} to {$1800.00} a month which isn't the new monthly payment that I refinanced for with XXXX. I have proof of physical documentation for my new refinanced monthly payments. 

I have never ever missed a mortgage payment in 30 years. Citizens One is collecting my mortgage payments and not applying it to my home loan. I have called into Citizens One and got a Customer Service Rep that I didn't get anywhere with one the telephone. I told the CSR that I show my bank payment history to Citizens One Mortgage with every single payment to them with no missed payments. I even told the CSR that you just received another payment from my bank the day before. I was on hold for a very long time waiting to speak to a Mortgage Supervisor. The Citizens CSR told me that he would have a Supervisor call me back that same very day. Until now, no Supervisor has called me back from Citizens One Mortgage. I want to make a federal complaint against Citizens One Mortgage taking my money and not applying it to my Home Loan Account. I want them to be held accountable for and late fees, missing principal payments to my home loan. I also want them to be held accountable for any credit reporting errors on their part. I have excellent Credit History built up and I don't need it destroyed by their horrible accounting records. I have never ever had any problems with a Mortgage Company like this in 30 years of owning a home mortgage. Please hold Citizens One Mortgage accountable for their very bad records. Most of all they keep taking my money every two weeks from my bank as I have a recorded history of payments to Citizens One Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CarMax, Inc.
State: NY

Complaint narrative:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX  XXXX XXXX Federal credit union XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Credit Collection Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
XXXX XXXX Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
Credit Corp sent correspondence to my residential address violating FDCPA after being told DO NOT CONTACT me. Credit Corp flagged my complaint ( XXXX ) as a duplicate complaint to complaint ( XXXX ). Complaint ( XXXX ) provided specific violations of Metro2 such as, reporting data on my credit report as a credit grantor when Credit Corp is a debt collector, providing credit limits, terms, payment, utilizing comments within credit report, credit history/ratings, original charge-off violations. FCRA violations, NO FCRA date, falsifying FCRA dates by not aligning with payment history and failure to report alleged debt as medical. PLEASE DO NOT delete this complaint and review the supporting documentation attached that specifically calls out all credit listing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I ( XXXX XXXX XXXX enter into a consumer credit transaction with CNAC-XXXX on XXXX XXXX XXXX. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. A consumer credit transaction because I know the finance charge the sum of all charges I was not expecting a bill. XXXX-MD102 sent a bill which is a violation 15 USC 1692b. I have attached a copy of License. I have sent you by mail my affidavit and invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have requested twice to remove this collections that is not mine and Experian is not cooperating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$370.00} past due as of XX/XX/2021.

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 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I recently had my chase account closed. 
There was a balance of {$77.00} on that card. When I logged onto my app to pay I noticed 3 charges on this account that were not mine. I have disputed them as fraudulent before as my wallet was lost/stolen I have submitted a prior complaint as well and have not heard back from anyone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: PA

Complaint narrative:
I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX 2. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/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 2021-06-21 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: PA

Complaint narrative:
I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Dear CFPB, I work as a XXXX XXXX XXXX and on XX/XX/2021 I sent {$1000.00} of my salary to my US account that was held by XXXX ( former TransferWise ) XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX  account. On the XXXX of XX/XX/2021 I sent another {$1000.00} of my salary to the US account held by XXXX ( former TransferWise ) XXXX XXXX XXXX. I was able to do an international transfer and paid for debit card fees with balance left of {$1100.00} and some additional balance in the XXXX XXXX still provided by XXXX. 

However I work up to a rude shock with XXXX having closed my account and promising to refund the money left in 2 days now its many days later and they even barely respond to my numerous emails requesting a refund. I have even furnished them with details of the transaction and the bank account that they can use to refund the money as attached with this complaint but my pleas have fallen on deaf years. I am the bread winner and support my family and this event has put me in a very bad situation and would honestly need your help to recover the funds and have it sent to my account. I have written numerous emails even to the CEO and CTO and just about all manner of emails I could get about the company but no one is interested in helping me get my refund since they said they have the prerogative of closing accounts and have no obligation of telling the customers why. I do not care about their account I just need help in recovering my stolen funds. I deem the funds stolen since no one is responding to my emails despite having promised to refund me in two days. 

Kindly I seek your help in following up with this matter.

Company response to consumer: Closed with explanation