vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello I have contacted Suntrust about XXXX charge several time and filed a dispute. Suntrust dont email the dispute documents for me to complete. I have contacted the XXXX  and they are giving me the run around, so I emailed dropping the class before it started. Below is the email I sent to XXXX on XX/XX/2021 Orientation was today. I could not get into the orientation because access information was not provided. I called the day before the tech day to make sure I had the info but, was supplied inaccurate information. I have emailed the instructor and called. I have been on hold for almost an hour. This is the 3rd time I have called about the same problem with ridiculously long hold times. 
Why would an orientation class be held without having help in place? 
Does a school open without staff? 
At this point its hard to see how XXXX really cares about educating students when they leave them hanging like this.

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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD    SYSTEMS INC.COLLECTION AGENCY { TSI } XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX .... sent a letter to me stating that XXXX has asked TSI to collect, from me, {$71.00} and to submit payment to : XXXX XXXX : ACCOUNTING { PHARMACY } XXXX XXXX XXXX XXXX FL XXXX This IS A SCAM because I have a credit on my account at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
m y complaints against planet home lending. I was in forbearance in XXXX since then i have paid my mortgage for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in full each months its due 8 months planet home lending is showing all 8 months late because I did not pay on the 1st day of every month I have paid all 8 months I am trying to get refinanced. can you help me clear my credit reports all 3 XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a letter to validate accounts on XX/XX/2021 to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Tranunions response

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 2021-09-28 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: TN

Complaint narrative:
I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.

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 2021-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: WA

Complaint narrative:
I was reviewing my monthly statements on my student loans and realized that it does not appear that I have been receiving the interest rate credit for automatic payments. I am supposed to receive a .25 % discount on the interest rate of 4.560 % on my loans. I have been enrolled in auto pay for the life of both loans that I have with them. On my statements its listing my interest rate as 4.560 % and shows no discount. I called to check on this and the customer service agent confirmed that my statement should show the reduced auto pay rate and that this was just an error on the statement. I asked for an amortization schedule on this over 20 days ago and they said I should have it in 10 days. I still have not received. My latest statement also still shows the non discounted interest rate. On the quick math that I have done it does not appear that I have been receiving this discount. I requested the amortization schedule so I can accurately review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A new credit card was sent to my house on XX/XX/XXXX ( I did not receive this card ) The card was activated on XX/XX/XXXX with a phone number that begins with area code XXXX - I think the last four digits were XXXX ( all our phones are area code XXXX ). We live in XXXX  but our phones have an area code for XXXX XXXX because we use to live there. 
on XX/XX/2021 I received a text message asking if I was attempting to make a purchase at XXXX in the mount of XXXX. I replied no and received a call from the fraud department. This is when I learned that a card was sent to us on XX/XX/XXXX. I received the recent transactions with the fraud department and determine that there were several charges from XX/XX/XXXX through the XXXX at which time the card was cancelled. 
I opened a police report on XX/XX/XXXX ( XXXX, XXXX  ) police report number XXXX. 

The fraud department has told me that there was a call made from the XXXX stating that the card was not working and they were able to tie this number back to a number that was determined to be mine. They also stated that this call was recorded. I have asked that they provide me with that information because I am 100 % positive that we did not make that call - nor did we make these charges. 

All of the timing for these charges began after the card was sent and to the point it was reported as fraud. I feel very upset that I am being asked to pay for these charges. I have a balance on the card that is substantial and the only questionable charges are the ones in this timeframe. 

The credit card company told me that I have not provided any proof that these charges are not mine but couldn't tell me what proof they needed. 

I have filed an affidavit with XXXX XXXX for one of the charges. 

I have also called the company ( XXXX ) about the charges on my credit card statement. They informed me that the account was opened up on XX/XX/XXXX but couldn't provide me with any other details. 

Another thing to note is that we received letters from several companies regarding applications for recent loans. We did not apply for any loans and have worked with the fraud departments of those companies to resolve those issues. 

I put a fraud alert on the credit bureaus on XX/XX/XXXX. I also filed fraud alerts with XXXX, FTC and XXXX XXXX. 

My guess is that the person who stole the credit card from the mail box also used the XXXX to requested information on us. I could not confirm this because they were not able to provide me with any additional information. 

I would like somebody to look into this further and help resolve the issues with Best Buy Visa to have these charges marked as 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 explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All ( 3 ) major credit bureaus : XXXX, XXXX and Transunion are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". 
The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before 2013 and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result. 
The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.

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 2021-09-28 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: CA

Complaint narrative:
All ( 3 ) major credit bureaus : Experian, XXXX and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ".

The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX  and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.

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 2021-09-28 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:
Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a 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 2021-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm being discriminated by Transunion. My credit card bill is due XX/XX/2021. Today on XX/XX/2021, Transunion lowered my credit score by 3 points for having a balance on my credit card. THE BILL IS DUE ON XX/XX/2021, 17 days from today. 

Transunion has not answered my questions, I keep getting the run around. I pay off each credit card monthly. My credit score should not be lowered for a balance that's not DUE until XX/XX/2021. 

Transunion keep my XXXX XXXX the same for 5 months?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it and the individual cut off contact. I reached out to the person with no response. 

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it. I tried to reach out to the person with no response. I contacted Zelle but didn't receive any help. 

On XX/XX/2021 I accidentally sent XXXX to a individual through XXXX XXXX. I contacted the individual for a refund. They haven't responded. I reached out to XXXX XXXX support team with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Synchrony. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a XXXX XXXX  and frontline worker and late payments happened during covid and I was working and also contracted XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. 
I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : My account information is : Account number : XXXX Open date : XXXX XXXX, XXXX Balance : {$570.00} Account status : Open Solution : deletes XXXX and XXXX late payments XXXX from 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
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent. 1. CONVERGENT OUTSOURCING Acc # XXXX { {$840.00} } This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.

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 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal account restricted on XX/XX/21. 
I had multiple transactions being processed, in thousands of dollars, that were supposed to be sent back to my bank account. 

Paypal has frozen my accounts and won't even say what they will do with the money until 180 days are done, my money. 

Paypal is illegally holding my account and money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB Management Services , Inc is and has been inaccurately and erroneously reporting a monthly account balance, payment, etc since XX/XX/2019 on a collection account to the three major credit reporting companies XXXX, XXXX, and XXXX. ( Samples of Credit Reports attached ) A collection agency should not be reporting a collection account 30 days late as the current status. The account was not opened with/by the collection agency, they purchased the bad debt. 

XXXXurchasing a bad debt does not make them the original creditor. Only the original creditor can report as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I accidentally sent XXXX to a individual through Cash App. I reached out to the person requesting a refund. They haven't responded. They also did not accept the refund. I reached out to Cash App support team. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I fell behind in my mortgage due to deaths in my family, a job loss, and a life-threatening health crisis. Deaths were in XXXX ( mother, grandmother ) and XXXX ( father ). My health crisis began in XXXX, got progressively worse, and was nearly fatal in XXXX. 

My house is up for auction very soon. 

I have had a change in circumstances. I have a job, and can afford a mortgage payment. 

The lender, SLS, is refusing to entertain a refinance or Covid/CARES forebearance offer. 

They are going to sell my home and steal my equity in a matter of days.

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