vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
I have gotten several phone calls and letters in the mail & even had someone of the courts serve me at my home from a Moore Law Group stating that they are suing me in 30 days if I don't pay {$11000.00} that was owed to another company named XXXX XXXX Department Store with the account number XXXX. When I called the Moore Law Group to find out who they are and where this amount I owed of {$11000.00} came from they told me that, if I don't respond within 30 days then I would be taken to court to have my wages garnish. I do not have an account with XXXX XXXX nor have I ever received products, goods, services, or monies from XXXX 's or Moore Law Group. I have been a victim of Identity theft in the past. This may be a result of that but I don't know who stole my identity.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I use the app for synchrony bank for discount tire. We did a promotional for one year interest free on your purchase. As most people these days I opt out for paper mail and use the app to pay my bills. Just this month I noticed that the balance had increased a lot. I looked over the account and noticed that they charged interest to my account without ever sending an email, paper letter, or stating on the app that the promotion was expiring. I called the company and they straight up told me that after 30 days that they couldnt do nothing for me. They even admit that the app does not show the expiration and they do not send out email reminders to tell you when it expires. She states that you can only see the expiration date on the promotion if you download the statement every month. I dont know of any company these days, and with the current situation of the world, on why they would not send out a 60 then 30 day reminder for a promotion ending. So, because I thought my promotion hadnt ended yet I got charged XXXX on interest and now XXXX a month for a XXXX interest rate. So every payment I have done is like I never even made any at all. The customer service was rude, told me there was nothing they could do, and then continue to try and get off the phone instead of trying to work with me. I also wanted to do the survey at the end of the call and stated that to them and they hung up the phone before transferring me to the survey. I get some of it is my responsibility, but I also blame this company for making it so impossible and not sending reminders that the promotion was ending all so they can charge the interest and not give someone the chance to pay it off. This company is obviously doing this purposeful to make easy money off of the daily consumer. It is completely horrible that a company is not willing to work with the consumer, not even a little.

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 monetary relief
Consumer complaint received 2021-01-15 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: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp is reporting duplicate accounts on my credit report ... This is severely impacting my credit. My FCRA rights have already been violated at this point. I attempted to reach out to them to fix this issue but to no avail so far. It has now been almost 60 days with no updates or notification that an investigation has taken place. I demanded to see verifiable proof ( an original Consumer Contract with my Signature on it ) this company has on file and never got any response and on top of everything else they are reporting duplicate accounts on my profile. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: SC

Complaint narrative:
They call my sisters and parents repeatedly. They leave my personal information on their voicemails. I consulted with a lawyer they said its scam calls and to contact the states attorney general

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX i called Citibank regarding my account. There was XXXX taken out of my account by someone who I have never met nor do I have a phone number for. I've spoken to several representative and told him I do not have a clue as to who the person is that took money out of my account. There should be more than just telling me the name of the person instead of trying to received any information from my phone. The bank instead refuses to investigate further into the incident which has caused me to withdrew all my monies from Citibank since they have allowed someone to take money out of my account without my permission and refuse to investigate further. They have also allowed others to go into my account with my knowledge.

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 2021-01-15 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:
XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my XXXX XXXX is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

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 2021-01-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was.

Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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:
FINANCIAL TERRORISM!

HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

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 2021-01-15 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: AES/PHEAA
State: SD

Complaint narrative:
On or about XX/XX/2021, I inquired via FedLoan Servicing Chat feature how to have my payment applied to a certain student loan that I wished to target. I was told to include the loan number and disbursement date in the memo line of the check. 

On or about XX/XX/2021, I sent a check via my financial institution to FedLoan Servicing to pay a specific loan with the loan number and disbursement date in the memo line of the check. That check cleared on XX/XX/2021 as reflected on my bank statement and FedLoan Servicing 's Payment History. I checked the electronic image on my bank account and identified the memo line did, indeed, include the loan number and disbursement date. 

I realized on XX/XX/2021 that the check was inappropriately applied to all loans and contacted FedLoan Servicing via the chat feature. I was informed I would need to call in to have my payment reapplied that that I can not target specific loans via mailed-in payments. 

I called on XX/XX/2021 to have the check reapplied and was again told I would need to call in each and every time I sent a payment to have the check target a specific payment. I informed the servicer that their website reads : " The easiest way to target your payments is to pay online. However, if you want to have all of your future extra funds applied in the same way, you can write to us and provide standing instructions [ ... ] You will need to specify how you want your extra funds applied to your individual loans, and you'll need to identify your loans by disbursement date and loan type ( which you can find in Account Access ). We can help you through this process if you contact us [ ... ] '' https : //accountaccess.myfedloan.org/contactUs/index.cfm I again asked for clarification that I CAN NOT send a check and have it applied to specific payments and was told not unless I call in after each check clears to have it reversed and reapplied. The servicer attempted to walk me through the online application system to have it ACH 'd from my account, which I have no interest in doing for extra payments. 

I informed the servicer I would be escalating this to the CFPB and advised they escalate the call to their immediate supervisor. The customer service representative stated he would note this call on my account. 

I have since provided an email through their platform using the CFPB sample template, but still feel I received inadequate information, false/misleading information, and that my payments were inappropriately applied. FedLoan Servicing has no incentive to honor consumer requests as students can not refinance their loan for better interest rates or, if they do, risk loosing federal-loan benefits. FedLoan Servicing is exploiting this loophole to provide poor customer service and inadequate application of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I XXXX XXXX XXXX am a co authorized card holder on the sams club master card account ending in XXXX. Have every right to speak about this account as its reported on my credit report. 

This account was closed on or about XX/XX/2020 due to a car window break in on my, XXXX XXXX XXXX car. The criminal stole my wallet which contained sams club master card etc, somewhere between XXXX located at XXXX XXXX parking lot located off XXXX in XXXX Tennessee. Which is down the street from XXXX Tennessee. Attaching photo to authenticate the link below. Copy and paste link below showing break in on My car, talking with local law enforcement as I called Them to report the crime. 


XXXX : XXXX I cant even validate the contents inside or if this even allegedly came from synchrony bank relating to sams club card ending XXXX XXXX since this envelope came in such poor condition, I cant even validate that USPS even delivered it .Copy paste XXXX link to see alleged envelope from synchrony bank XXXX : 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 2021-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian wont update my scored paid services fcra violations b/c of inaccurate information reporting

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 2021-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WV

Complaint narrative:
I have been trying to be patient with my lender and get help but they continue to give me the run around. They either say the loan is under review or my file has just been sitting there without anyone reviewing what is going on. 

They keep advising that they are going to escalate the file but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent 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 explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent 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 explanation