vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-18 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: SC

Complaint narrative:
My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, 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 2022-10-18 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have never heard of this company before and have never done business with them. After some research, i found out this company is not licenced in the state of florida to collect, which makes me feel like this is A scam and illegal. This is showing on my credit report which is how I got the information.

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 2022-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XXXX of 2022, I was awarded {$40000.00} from the Texas XXXX XXXX  to be applied directly to my mortgage with Penny Mac. This award was based on my application with this organization and the death of my husband in XX/XX/2022 as a direct result of the XXXX. On XX/XX/2022, Penny Mac RETURNED the {$40000.00} award to the Texas XXXX XXXX with no explanation or notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My Synchrony Bank JC Penny account balance is currently around {$900.00}. However, this information is not correct on all three of the credit bureaus where they are showing a balance of over {$6000.00}. Since XXXX of 2022, I have contacted Synchrony Bank numerous times and have filed a dispute through the proper credit bureau 's channels, which is now closed. To further complicate matters after speaking with Synchrony Bank in XXXX 2022, the account balance went from over {$6000.00} to {$7000.00}, and an immediate decrease in my credit score. This inaccurate information has caused me to have several declined requests for credit with the most egregious being refused living accommodations for a XXXX XXXX veteran.

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 2022-10-18 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: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, 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 2022-10-18 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
To whom it may concern, I called Aidvantage the last week of XXXX to request a portion of my student loan back due to the CARES act. I was told it would take 4-6 weeks. Then on XX/XX/XXXX, I called back to check on the status. It was then found out that the request was never processed. The person helping me Submitted a neo request of {$20000.00}. He said he would escalate the situation, and said that I will see the balance back on my Aidvantage account soon. I called back today XX/XX/XXXX to check on the status. I dont want them to drop the ball again. The person said that it will again take 4-8weeks. I am getting mixed information about timelines and expedited procedures that Aidvantage doesnt seem to be able to hold. I have contacted them via email to explain my situation. I am not happy with how they are handling this situation since the student loan refund Cares act is nothing new. Thank you for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone has been opening different accounts in my name, this one was Capitol One 360 checking account. Because I have had previous opened I have been watching for. I received a capitol one 360 checking debit card. I called told them to cancel anything they opened in my name. Come to find out that same day, they opened 10 savings and checking accounts on the same day. After received all of the account closed notifications I got one with a statement from one of the accounts. Apparently on the day they opened them they began doing many small deposits in one account, from churches, then eventually XXXX  the money to someone. This was a red flag because it looked like they were testing this account. Weirdly all accounts for small change! The fact that they were all from churches was worrisome. This was the statement from one of the accounts that was closed so I have documentation of all the transactions. These are the transactions on the one day of activity. 
XX/XX/2022 XXXX from XXXX XXXX XXXX XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX XXXX, 2022 XXXX from XXXX XXXX XXXX. XXXX XX/XX/2022 Deposit from XXXX XXXX XXXX XX/XX/2022 Deposit from XXXX XXXX. XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX Then it continues on with deposits from the different savings accounts they opened XXXX from XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXXXXXX. credit XXXX Deposit from XXXX XXXX  XXXX XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX. credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX XXXX  XXXX XXXX credit XXXX XXXX XXXX sent to XXXX XXXX debit XXXX The statement has all of the savings account with more deposits of minimal XXXX amounts from the same churches in each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A hard inquiry and a new line of credit appeared on my credit report within the last few days for a store card with Lowes and was maxed out. I did not open this line of credit.

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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
We had a hacker call from our usaa bank number on XX/XX/XXXX, claiming they were from the fraud department and they see fraudulent charges on our account, went over the transactions with my husband using his personal info as a representative would usually only have and gained access to our checking and savings account wiping out over XXXX. We instantly called usaa after the phone call realizing it was fraud, after 5 days they gave us back the XXXX in our savings but not the checking account for XXXX. We have been calling almost daily trying to recover our funds that were stolen and is not looking promising. Completely at a loss with a bank we have been banking with for over 15 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I contacted Avant LLC to transfer my balance in the amount of {$320.00} to a lower interest rate credit card. I was told by the Customer Service Rep that it wouldn't be a problem long as my account was in good standing ( which it is ) and the interest rate would need to be lower than the rate offered by Avant ( which it is ). After being placed on hold for 3 minutes, the rep informed me that I could not transfer my balance. I asked why not? Her response was it was Avants policy that they do NOT allow balance transfers. However, they will accept balance transfers from other credit card companies. I informed the rep that what she was telling me was NOT included in the " Terms of Agreement '' when I opened the account. She said that it is their company policy, and it isn't disclosed in the Terms of Agreement. I asked to speak to a supervisor. I was on hold for 20 minutes waiting to speak with a supervisor. The supervisor informed me that they do NOT honor balance transfers. I asked if the information she was providing could be mailed, emailed or faxed to me and she stated that it couldn't. I asked why not, she said the information was a company policy and could not be shared with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
Hello, I've attempted to contact Mohela six separate times over the past two months for information related to my student loans, and I've been unable to receive any type of response. I've attempted to call them directly, send them emails, and submit complaints through their online portal at https : //www.mohela.com/DL/common/contactUs.aspx. 

At this point, their inability to respond about serious financial issues feels like gross negligence on their part as a student loan servicer. 

Please contact me at XXXX or XXXX if you would like records of my attempts to contact them. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NY

Complaint narrative:
The initial debt was from XXXX XXXX. 

Following a contract closure, XXXX wrongly charged me for not returning their equipment, which I actually did ( XXXX  Return Tracking Number : XXXX ). I never received this invoice ( and despite my requests afterward ) After several phone calls, XXXX did find the equipment, and admitted it was a mistake from them, but still never canceled the wrong invoice. 
The 2 last calls to XXXX XXXX were on XX/XX/2022 and on XX/XX/2022. XXXX 's representatives always tell me that it will be handled within 10 days, but nothing is canceled. Worst, they don't have any traces of the previous request. 

XXXX XXXX sent this wrong invoice to XXXX XXXX debt collector ( + {$26.00} fees ), greatly damaging my credit score. XXXX XXXX finally waived this debt. 
Then XXXX it to CBE Group debt collector, with even more fees ( + {$47.00} fees ). I'm disputing this debt as well. 

It is endless and without a 3rd party intervention toward XXXX XXXX I can't solve this issue from which I am solely a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have disputed with this company-Midland Credit Management and to no avail. Their response was, " the consumer disputes this account information '', without giving any response as to how they obtained my personal information. This company has been erroneously reporting my credit file for 3 yrs and 4 months, alleging that there's 2 debts owed. With the help of the credit bureaus, I have obtained past and current reports that indicate changed information and incomplete information for alleged debts. I have also obtained phone records where this company has called me several times and hung up. This is considered harassment and as advised by the FDCPA is a violation to my consumer rights, also still alleging that debts are owed that has passed the statue of limitations without providing proof after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
I requested my student loan refund on two separate occasions. One time I called it was in XXXX and another about a month after. I spoke with two representatives and they gave me two different timelines on when I would receive my refund with no confirmation email. Other loan servicers have already process student loan refunds, so I believe they are purposefully delaying the process. I have no idea when the refund will hit my back account because there have been no emails whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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