vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX Auto Loan, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca 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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: NY

Complaint narrative:
Hello, I need help, I am having issues with PHEAA/FED LOAN SERV Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take out loans and even promised me internships and jobs but did not deliver. The school closed down a year after i graduated and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still trying to figure out how we ended up with multiple loans. They did not help me in anyway find work after graduation, or give me any internships either. I advised XXXX XXXXXXXX, and XXXX unregard to this but still haven't had much help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have 5 credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my credit score. I have disputed them twice and they refuse to correct the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Though I am trying my best to get this debt taken care of they have been rude, disrespectful, and even advised me to take out a loan to pay them which I can and will not do. I went into full detail with a woman named XXXX about my situation, have made a payment and wanted to work out making payments to get this taken care of, but they have basically tried to bully me into making a payment in full that I can not make.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX The guy name XXXX XXXX sent me the amount of XXXX by Zelle XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my XXXX bank. 
On XX/XX/2021 XXXX XXXX called me again to ask me to refund money to him, so i call me XXXX bank and ask the XXXX XXXX to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my XXXX bank account and i saw Zelle disputed for another XXXX. So i contact XXXX and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But Zelle and XXXX still took my money. 

XXXX XXXX never receive the dispute money and the money never deposit into his account. We called XXXX line with Zelle to talk about it but they can not do anything. I also contact XXXX bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call XXXX and Zelle with no help at all. 

XXXX and Zelle stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: FL

Complaint narrative:
On XX/XX/XXXX was my last payment for my XXXX  XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Mortgage on our home was paid off in XX/XX/XXXX. We received a call on XXXX XXXX, XXXX informing us that our home would be put into a sheriff sale for unpaid escrow on the home. The call came in from XXXX XXXX stating he was from Option One Mortgage. The phone number is, XXXX. We were informed that we had to purchase money orders in the total of XXXX to take care of this past escrow. My husband, XXXX, went out and purchased the money orders, but I wanted to speak to this man, who informed XXXX to call him from the Post Office to get the address to send them to. When I spoke to XXXX, he stated that they had sent papers about this amount in XXXX to us. We did not receive said papers and were informed by him that he could no longer send them since the account was closed. We ended the call and contacted Ocwen, which was our mortgage company and were informed that there were no past escrow due and the deed was at our local deed office. XXXX has called us daily to demand this payment and that the attorney 's office that was handling this account was waiting for payment. He gave us the following name and personal address of where to send the money orders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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:
From XXXX XXXX, I have sent Experian disputes via mail regarding erroneous accounts on my credit report. In my letters sent to Experian, I have asked for the method of verification AND all documents in my consumer file, more specifically an original contract with my signature on it. Experian has not ONCE provided any documents nor has it provided me it's method of verification. I have sent Experian copies of letters that I have sent to XXXX asking them to validate and prove the debt is mine to which the XXXX did not. Experian continues to report false information in my consumer file. It has been extremely difficult dealing with Experian. The company completely ignored all requests in my dispute letters when I requested an original contract with my signature on it and the method of verification. I even ask who specifically it spoke with that allegedly " verified '' these items. Also, Experian never mails me back a response. The company continues to send me results of it's investigation via email when I requested all correspondence be sent to me via letter mail. Experian is not conducting a reasonable investigation. It is instead relying on its E-OSCAR system and believes whatever an alleged creditor says. It's as if in Experian 's eyes, the creditor is always right and can not make mistakes. If Experian actually performed its own investigation instead of relying on automation, it would clearly see that those accounts do not belong to me. Experian does not care about the consumer at all and profits from credit inaccuracies.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX I was notified of a debt that was owed. My wages were garnished. 
It was not my debt. 
I was sent paperwork stating that I was having my wages garnished with a fictional judge from my county. 
I went to court as I was on a docket. Spoke with Judge who verified XXXX on paperwork is phony. Received court documents from Judge dismissing suite . 
XXXX and XXXX I was contacted again by the same company with the same debt. 
I never even obtained said debt. 

It is now on my credit as a lein?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

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 2021-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

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 2021-03-03 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: IL

Complaint narrative:
I have recently received rejected payment adversely affecting my credit score and presenting a defamatory disposition as a paying consumer attempting to stay on top of my credit score.

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
During my annual review of my credit report, I notice per XXXX a collection from Credence Resource Management , LLC on behalf of XXXX XXXX  for {$740.00}. I contacted Credence Resource Management at XXXX on XX/XX/XXXX on a recorded line, per my conversation with the initial rep and a person claiming to be a manager, I asked to verify the total amount and when and to where did they send me any communication regarding this account. The came back with an address that is not associated with me, nor could not provide a true history of the account balance. I wanted to resolve this matter as quickly as possible and I asked for a settlement amount as I do not agree with the balance of {$740.00} as I have maintain all invoices during the last year of service and the bill for service was not {$740.00}. They came back with a figure of roughly {$470.00} which is still double the amount. I asked the manager to please see me an invoice or documentation stating the settlement offer in an email which he stated he would do, however, I have not received any other communication. 
Since, I did not receive proper notification from the debt collector regarding the : 1 ) The amount owed 2 ) Name of Creditor and 3 ) Consumer rights I submitted a despite letter to Credence Resource Management , LLC on XX/XX/XXXX to XXXX. I provided a detail timeline of the invoice and the correct amount I owed this company along with a settlement offer and supporting documentation but the company respond on XX/XX/XXXX ( less than one week ) they have confirmed the debt with the creditor. I feel both Credence Resource Management and XXXX XXXX are in violation of state and federal law regarding debt collection. Upon requested of evidence supporting debt, none have been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime banking on or about XX/XX/2021 has suspended myspendingaccount with a balance of {$1700.00} which is my stimulus payment and refuses to release the hold on my account after I provided all the documents they've asked for time and time again. This has been going on for 2 months and I need my money they refused to issue me a check in the mail and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE UNATHORIZED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY AND ALL UNATHORIZED ITEMS ON MY REPORT MUS BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE ALL FROM MY CREDI T REPORT

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
CBE Group is fraudulently collecting on a debt that is not owed. I am buying a home and just found out that they are reporting inaccurate information on my credit report. I spoke with the original creditor and they stated that there is not balance and I only had to return an item which I did and it was verified. 

This needs to be removed permanently from all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a call from the Chase.com phone number. It was titled " potential scam '' but because I recognized the number I answered. Someone on the other side of the line said they were with Chase and that there had been a fraudulent transaction attempted with my account. I had never had this happen with Chase so I didn't think much about it. After they " stopped '' the payment for that amount they went over other transactions on my account ( they had access to my chase.com account ). This is when I thought that it had to be legitimate, how else would they have access? 

After ending the transaction, they told me they wanted to see if I wanted to be set up on a " fraud alert '' system. To do this, the system would have to send through a fraudulent payment. I also did not question this, and followed their requests. They transferred all the money in my savings to my checking and sent {$2000.00} via XXXX to themselves : In the end, these people used deceit to defraud me out of {$2000.00}. 

I called Chase immediately the next morning because this did not sit right with me, and sure enough the transaction was fraud. They stopped my account and I went to a Chase branch right away to transfer what was left to a newly formed account. I had to reset everything. 

Chase opened a fraud complaint for me, and over a month later denied my claim. I have no clue how they think that I would randomly transfer all of my funds to my checking account and send {$2000.00} to someone I have never spoken to. I did not go on XXXX and send the money. They used their access to my chase.com account to forward {$2000.00} to themselves. Someone at Chase even told me that there was an IP address on my account from Florida. 

Below I attached the additional information I sent to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Earnest Inc.
State: PA

Complaint narrative:
XXXX refuses to allow it's loanees to make additional payments directly to principal. I've called customer service multiple times and they are very XXXX  about this situation. I feel that it is an intentional attempt to make clients pay more over the length of their student loans. They do not disclose this at the time of loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. Wells Fargo did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2021 I attempted to temporarily lift my credit freeze on the Equifax website. 

However, the website indicated my account was not working and I should call. 

After going through the a lengthy verification process and a length troubleshooting process, the support person was unable to fix my account, but they did temporarily lift my freeze for me. They said they would reach out about how to access my account. 

On XX/XX/XXXX, I needed to lift my freeze again. My account still did not work. However, after again doing the lengthy process of verifying my identity, they told me I could not speak to an operator and that I should provided the required documentation by mail or fax but did not say what documentation to mail or fax or where. 

I'm now stuck. There is no way to speak to anyone there without verifying my identity. There is no information on their website. I never chose to work with Equifax, and they are now wasting my time with their XXXX bureaucracy.

Company response to consumer: Closed with explanation