vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flandreau Santee Sioux Tribe
State: OR

Complaint narrative:
A mediation company named XXXX XXXX XXXX XXXX call me from the number XXXX. They told me I had an unpaid debt owed from Everest Cash Advance and that I was being reported to XXXX for fraud reported by XXXX XXXX XXXX due to using a check as collateral and closing the account before the collateral could be paid. They could not tell me the date of this purported fraud other than that it was reported XX/XX/2015. I supposedly owed {$2800.00} but due to Covid relief I could settle for 50 % of that over the phone. They told me repeatedly that they were not a debt collector but wanted to know if I wanted to settle the account before they reported it to XXXX which would then freeze my current bank account for up to 7 years. They were quite rude and hung up on me several times. I called them back several times and they said they would send me written notice but I have not received anything. 
This is a link to their website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/22 I paid a payment on my Amazon Store Card for {$17.00} ( fixed payment amount ). I paid XXXX weeks early. It's due XXXX/XXXX/22. I always double-check every payment before I submit it and I authorized the usual {$17.00} amount. Someone on the banks end went in and changed it and took {$570.00} instead! When I called the company they claimed they could do nothing except send a check in XXXX weeks! If they can take it electronically they can put it back electronically! They ripped me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted Capital One XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a XXXX then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and Capital One has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and Capital One should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX, Tx 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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It started two weeks ago when I received an email from XXXX XXXX that someone was not able to open an online checking account in my name because they couldn't provide a drivers license or proof of the address. That account was never opened. 

On XX/XX/2022 I received multiple emails from Bank of America that someone had successfully opened an account in my name using my SS # and DOB. I contacted Bank of America and they deleted the account. 

Someone is using my SS # and DOB attempting to open checking accounts in my name. They are also using my current email address which i find interesting because that's how I realized someone was opening these accounts.

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 2022-04-04 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Inquiries I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Informative Research
State: CA

Complaint narrative:
Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past which was a joint account with my wife. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.

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 2022-04-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past which was a joint account with my wife. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.

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 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had a collection on my report with Midland funding that was paid in full and Midland funding agreed to delete this from my report. It is still reporting on 1 credit bureau ( XXXX. ) I have continued to contact this company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
I have been trying to get loan modification assistance with SPS for the last few years but SPS has denied my request within a few days without a fully proper review. I last submitted to SPS on XX/XX/2022 and was denied on XX/XX/2022. I received the denial letter including the NPV results in the documents which I have attached it states My income was not considered for the evaluation of my request it also stated, in performing their underwriting of a potential modification my modified payment would not be reduced and did not meet the payment reduction as required. However in further review of the documents it stated my new potential rate would be 5 % @ {$280000.00} which would give me a payment of {$1300.00} increasing my payment by {$320.00} which is SPS looked at my financial and used them during the evaluation they would see I have a disposable income of {$840.00} which even if my payment went up I can still afford it. I am simply asking SPS and its investors to help me in any which way even if my payment goes up I have no problem making these payments. Also I ask if SPS can review my information to help me further qualify if an increased payment will not work, please consider me for a Balance Partial claim or Principal forbearance to make my payments more affordable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: IL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Transunion ) credit report. I recently retrieved my credit report and it showed ( 53 ) credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report.Transunion has not responed to any of my letters.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this investigation within 30 days of receipt of my letters. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : 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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On or about XX/XX/2021, on a routine visit to a local animal hospital for my XXXX XXXX XXXX cat XXXX to be seen for the first time since moving to XXXX XXXX  from XXXX XXXX, the vet mis-prescribed her, as the vet ( in his own words ) stated " he didn't have the time to read her past medical history as he was too busy '' killed my cat by prescribing her the wrong medication. I was charged {$750.00} by the vet, ( XXXX XXXX XXXX in XXXX, NY ) on XX/XX/2021 on my Goldman Sachs Apple Card and was charged a duplicate amount of {$820.00} on XX/XX/2021 by the same animal hospital when I got my cat XXXX back in ashes as she had to be cremated. Nothing short of DISTURBING as this animal hospital is now being investigated for animal cruelty by the State of New York for what they did to my cat. 
Having said the above, I immediately contacted Goldman Sachs Apple Card the very day my cat XXXX passed away in the hands of a so called " doctor '' who committed medical malpractice. Goldman Sachs Apple Card representatives were mortified of what had transpired and immediately helped me dispute my 2 changes stated above. Within a few weeks the one {$820.00} provisional credit was made permanent on my account. Then, for some reason, the charge of {$750.00} did not become a credit back onto my account. As I type you today, I've spoke to the Goldman Sachs Apple Card representatives over the phone on numerous occasions on the reason why my refund of {$750.00} has not been made final and they don't have an answer for me. Same merchant, same charges, but one gets fully approved in my favor and the other is still a mystery in the making? I keep being told that the original Goldman Sachs Apple Card representative who disputed both of the charges for me on the day my cat XXXX was killed by the vet had " miscoded '' the {$750.00} charge thus the reason one refund got approved and the other one is still pending FIVE MONTHS AFTER THE FACT? 
I want my {$750.00} refunded NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: GA

Complaint narrative:
I have inquires that I did not authorize. I have called XXXX and Experian to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : Experian- XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX XXXX Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
The CBE Group pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from XXXX XXXX trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Card was charged for something you did not purchase with the card
Company: Total Card, Inc.
State: NJ

Complaint narrative:
This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.

Company response to consumer: Closed with explanation