vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: OH

Complaint narrative:
I requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. XXXX refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.

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 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
This complaint is filed against MoneyGram and the systemic racial discrimination they have in place to oppress people. MoneyGram and their merchants, such as XXXX, have policies in place based on zip codes and the demographics of that zip code to limit the dollar amount of pay outs. For instance, MoneyGram allows worldwide transfers of up to {$10000.00} and in Georgia they recommend that a customer go to XXXX because XXXX will have that amount of cash available. However, if a customer goes to XXXX in Georgia they may not be able to receive the pay out based on the zip code policy XXXX has in place. One XXXX is only allowed to release payouts up to {$2500.00} while another XXXX less than 10 miles down the road is allowed to release up to {$5000.00} and yet, XXXX  outside of Georgia are able to release the full {$10000.00}. XXXX says that the policies are set by MoneyGram. MoneyGram says the policies are set by XXXX and every merchant individually. MoneyGram is not willing to take responsibility for and fix the systemic oppression that is in place with their money services. 
In addition, MoneyGram supports having varying policies to verify the identity of the receiver. In a " favorable '' zip code a person can use their passport and no other documentation to receive a pay out. However, in a zip code that is being oppressed a person can be required to provide proof of their current address such a lease or utility bill. This requirement is overly burdensome as a lease can be verbal and include utilities. Also, some people reside in extended stay hotels which tend to be concentrated in certain areas further causing a disproportionate negative affect on certain demographics. 
If a customer is turned away from one merchant because of the limitation pay out and turned away from a second merchant because they " don't like '' the ID provided, that transaction may be rejected by MoneyGram further complicating a person 's financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial, They submitted my credit without my authorization, on XXXX/XXXX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

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 2021-09-15 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: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and XXXX as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: DC

Complaint narrative:
I am filing another complaint as I was not able to upload additional information with my response. The response from the Department of Education to my complaint is unacceptable. As noted in their response, interest would have been capitalized ( added to the principal balance ) after periods of forbearance or deferment, during the consolidation processes, and during the default/rehabilitation processes. The Departments practice of applying payments to past due interest first that has already been capitalized and included in the principal loan balance does not appear to be a fair, ethical practice, particularly since the loan continues to accrue interest on the unpaid principal during the same period. As stated in the Departments response XX/XX/XXXX, the XXXX ( XXXX ) underlying XXXX XXXX Loans were involved in a consolidation process. The XXXX XXXX Consolidation Loan had an original principal balance of {$73000.00}. Yet, as of todays date, XX/XX/XXXX ( 17 years later ), they still show {$71000.00} as the current principal balance of the loan. 

I requested and received an updated Summary of Financial Activity from XXXX XXXX showing transactions from XX/XX/XXXX to XX/XX/XXXX, indicating a principal balance as of XX/XX/XXXX of {$71000.00}. Since their summary was incomplete, I added transactions from my records received in previous years from the Department of Education servicers for payments made from XX/XX/XXXX to XX/XX/XXXX ( including Treasury Offsets from my Federal and Social Security retirement income ). I have attached a copy of the financial summary I prepared. The principal balance I derived from those calculations ( INCLUDING capitalized interest totaling {$10000.00} ) was {$59000.00} NOT {$71000.00}. For the life of the loan ( 17 years ), Ive paid {$57000.00}, with {$45000.00} ( 79.6 % ) of that amount applied to interest on a principal balance that included capitalized interest! ). 

The response from the Department of Education did not only provide inaccurate transaction data, it also did address any options that I requested that might be available under the circumstances for loan reduction and/or forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XXXX XXXX, 2021 I asked for a loan to Chase Bank for {$5000.00} Through my Credit Card and I told with a representative of the Bank for 2 hours about the loan and the interest I will pay to the Bank. He told me that the APR WILL BE 10.99 % and all the interest that I will pay to the Bank will be {$900.00} and that my Payment will be {$160.00} including ALL THE INTEREST AND EVERYTHING I SHOULD PAY TO THE BANK monthly. I Ask many times that if ALL I have to pay to the Bank monthly is {$160.00} every month and he told me YES. Also, I calculate with him how much interest I will pay to the Bank at the end of the loan when I pay off all the account. He told me that will be just {$900.00} dollars. After the first month that I payed on time my loan, I saw that they Charge me {$43.00} dollars extra and I contact them and they told me that it was an ERROR. They delete the {$43.00} dollars extra from my loan payment and they told me it will not happen again. On the next month XXXX/XXXX/2021 they charge me {$43.00} dollars extra again even though I payed on time ( the first day of the month ) {$170.00}. I contacted the Bank again and a XXXX told me that if I pay " {$380.00} they will not charge me {$50.00} or {$43.00} dollars extra anymore. I told him that my loan agreement was {$160.00} every month for the next three years but he convinced me to avoid more feeds and interest rate to pay that amount. I payed {$380.00} last month and he lied to me because they charged me {$43.00} this month too. I contact the Chase Bank Yesterday and a XXXX told me that she sorry for me but that the representative that helped me to do the loan did not " EXPLAINS ME VERY WELL ABOUT THE LOAN AND THAT NOW THEY WILL CHARGE ME BETWEEN $ XXXX {$43.00} DOLLARS EVERY MONTH. I told her that he was no fair because it was not what their representative told me when I apply for the loan. The Chase Bank XXXX told me that it was the agreement that i signed and that she can not do anything to help me. NOW THE BANK PRETEND THAT I PAY ( 50 % of the loan in interest ) {$2500.00} OF INTEREST FOR A LOAN OF {$5000.00} IN THREE YEARS. According to the XXXX NOW I have to pay {$160.00} PLUS {$43.00} ( ALMOST {$2500.00} ) just in interest of a {$5000.00} loan. I feel very disappointed and deceived with Chase Bank because it was not what their representative told me about the loan. He told that I will pay just {$160.00} every month for three year and that the Bank will earn 20 % of my loan ( {$900.00} dollars ) not 50 % ( {$2500.00} ) So please help me to resolve that difficult situation because I don't have the money to pay for that extra $ XXXX {$50.00} they are charging me every month. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
On XX/XX/XXXX I called TransUnion to go over mistakes, inaccuracies, data errors and violations of the Fair Credit Reporting Act. One representative was very rude and would not allow me to go over the disputes. In addition to that there were numerous times when I asked questions and I was put on hold without prior knowledge. When I asked if the representative XXXX heard my question it was completely ignored. He told me that he needed information to pull up my consumer report, he asked numerous times when it was given in a very clear manner which as a consumer per 15 USC 1681 ( a ) ( 4 ) was not respecting my privacy as a consumer.The representative could have been asking me to constantly repeat information just to write down and take me information. I also asked if I could file a dispute and he willfully disagreed. When asked about inquires he told me he could not remove them. When asked why the only details that were given was " We have to follow a process '' .Then the representative hung up on me. I called again and attempted to get into contact with TransUnion again with another representative, once again who failed to help me as well. In addition to that TransUnion are also in clear violation with 15 USC 1681. Attached below is a letter showing the exhibits.

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 2021-09-15 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
have never done business with this company who has put an 11 year old debt on my credit report that isn't even mine. when i called the company they said that they would not be taking it off my credit without a payment. this is a violation of 15 usc 1681n

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A RBFCU MasterCard Credit card was opened in my name fraudulently by an RBFCU employee. I applied for a vehicle loan through RBFCU, was approved, only to find out a couple days later that an RBFCU employee in the consumer lending department fraudulently opened a credit card in my name without my approval or authorization using the same credit inquiry for my vehicle loan. After trying to work it out with RBFCU, I was met with a lot of hostility, specifically from a supervisor named XXXX. After listening and confirming that I did not approve the credit card on the call, she then began to foolishly ascertain that it was not fraud and that she was not going to report it. She left it in my court to resolve this serious illegal act perpetrated by RBFCU 's own employee. Once I knew she wasn't taking this seriously, I reminded her that I had to report this incident to the FTC/CFPB, she then backtracked. I had to read her a definition of fraud/identity theft and explain to her that he has my personal information, including my SSN, and this may not be the end to the fraud. Rather than protect an RBFCU member ( me ) who was a victim of fraud by their own employee, she had clear intentions to protect the employee rather than me by not disclosing his name for me to file a proper fraud report. Overall terrible experience. I didn't expect to be met with such disregard towards a long-standing member who simply wanted a valid resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

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 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is completely unwilling to help me fix an issue with my equifax.com login. 
I have been calling for two weeks and I keep getting hung up on when the customer service associate exhausts attempts to unlock my account. 

I have spent hours on the phone trying to resolve this and they keep saying they will escalate it to tech support but every time I call they say they don't see a case number. I don't know what else to do at this point. I am trying to access my account because I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Our rental home is 45 days from going into foreclosure. Weve been battling a company called SLS. Llc ( specialized loan servicing ) for years, since XXXX. At the beginning they pretended to be a legitimate company ( after XXXX XXXX XXXXXXXX sold to them ), with a special program designed to modify our mortgage interest from variable X % percent we were paying to a more reasonable rate, ( in our case a fixed rate at X % ), which we agreed to, and signed papers ). The whole process was part of a scam to string along the homeowners, as long as possible, so as to be able to mount up tremendous charges to the underlying mortgage holder, that sls was supposed to be servicing the loan for. They did this by telling us the exact amount of the new payments and interest, and then they would send more paper work as if the payment wee were sending was never enough and we should refi again! Meanwhile we had the payments on auto pay so as not to. miss a payment. The result is that the our credit is damaged by the predatory lending of SLS, who BTW stopped accepting our $ XXXX/month payments and made us loo like we were delinquent. At first, we thought it was just us, but we went on line and found that this was part of a system wide scam as we read what other people had to say it was the exact same story as ours. Even though we have letters documenting these events ive come to believe theres nothing we can do to change the outcome and we are really getting tired of fighting these people. We have a savings account with the $ XXXX  month payment which equals what SLS CLAIMS we are PAST DUE for sitting and waiting to be paid. These people need to be out of business and should be made to remove ALL derogatory reports on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: VA

Complaint narrative:
Unauthorized inquiries on my XXXX And TRANSUNION consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on XXXX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law

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 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX Vehicle Larceny XX/XX/XXXX Vehicle Larceny XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. 

This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CBC Companies, Inc.
State: MD

Complaint narrative:
Innovis is reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, Innovis is reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation