vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing fraudulent accounts for over a year, submitted police reports, I.D, mortgage insurance, etc. I have submitted this information online, mail, and over the phone. I have received mail from collectors that these accounts were sold and submitted the same documents to them, I have replies back from them as well. Transunion and XXXX are reporting CO ( charge off ) repeatedly monthly and that is against the law. I received paperwork from XXXX that my social is used with another individual and I also submitted that to the Bureaus, I have been repeatedly told that they use what the consumer sends them and thats what they go by, I asked for proof that was used that these accounts are mines and was told that I need to call the creditor. I have been lied to different occasions about about these accounts. They are not reporting on a 3 credit bureaus. I have inaccuracies all on my credit with open/close dates, account numbers, status of accounts, and accounts that I have disputed that has been on my report over 7 years, they still wont remove them. I have been resubmitting disputes monthly after over a year. I have all the documents and paperwork and that is needed for my case. I had a fraudulent account removed and replaced because they consumer came back and said same name, same date of birth, thats not proof of an account. I then received an email for a dispute that I canceled the dispute and I never did that. I mailed 3 letters to all 3 bureaus at the same time and Transunion the only ones that said they didnt have it. I have been a victim of fraud since XXXX, they told me my police report expired and that I needed a new one, then I went and got one, XX/XX/XXXX, submitted it to them along with supporting documents and they are not acknowledging anything. I have submitted debt validation letters no response. I have received modified alerts because I had supported documents and they continue to update it. As of today XX/XX/XXXX I have not received any debt validation response from XXXX or Transunion. I have no other reasoning why they are continuous reporting Charge off on a fraudulent closed account, reporting to 1 or 2 bureaus, different open/closed accounts that are sold, no debt validation proven to date when you have proof that it is me. When I had to remove a suffix off my report because they had me as a ( XXXX ) and a male.

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 2022-01-29 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: TX

Complaint narrative:
This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.

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 2022-01-29 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: TX

Complaint narrative:
This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.

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 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
APEX ASSET MANAGEMENT : XXXX OREGON XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: SC

Complaint narrative:
I recently filed a dispute with Experian in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on Experian and XXXX. The dispute results from Experian came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX, 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. Experian did not do any investigating

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 2022-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was being harassed and had called to be taken off the call list. After expressing that I did not wish to apply and that I was XXXX and it was too high stress the lender coerced me into giving out personal information and allowing a hard credit pull. I asked it be removed because I was coerced and it felt wrong and I had never been given information or anything and was told nothing was done incorrectly and that I had allowed it after several no 's so it's okay. This type of behavior is incredibly predatory. I had simply requested the credit pull be removed as a result of the lenders behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My DOE loans were transferred to XXXXI then went to XXXX told me to go to XXXX... What is the relationship betweenXX/XX/XXXX & XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I requested to cancel my forbearance on XX/XX/2021. Loancare confirmed they received my request via email. On that email it indicates I will receive an email within 5 business days for my recorsds. It has been 5 months now of calling loancare and requesting a letter of termination for my forbearance. I have spoken with 10 representatives and 2 managers who refuse to send this information. I paid my missed mortgage payments in full in XXXX when i requested to be off forbearance. The refinancing of my home is in jeopardy as LOANCARE refuses to provide the necessary information for refinancing.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime has suspending my account for no reason and is holding money hostage. I have reached out multiple times and the agents are no help. After receiving an email saying I needed to sending documentation from XXXX XXXX, I was told that was an automated email. Today I've spoken to XXXX agents including one named XXXX. They just keep transferred from department to department. I've been sitting on hold for at least XXXX hours day. XXXX refuses to help me. XXXX has no idea of the corporate address or the CEO of Chime. I am reaching out to my attorney on Monday morning. At this point, I just want the money that was supposed to already be transferred into my new XXXX XXXX account. 

Where is my money that Chime is holding hostage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: OR

Complaint narrative:
I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX. 

I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have an account with Target Bank USA, NA and I have alerts set up on the account to remind me of the payment. I have requested to be notified by phone via text then email so that I am not late with payment and I do not incur fees and any late payments over 30 days on my credit. I'm trying to re-establish my credit history like most people since the pandemic and Target has reduced my credit line from {$3000.00} down to {$300.00} which is their right. I've been a cardholder since 2016 and experienced difficulty during the pandemic and have been back on track. Well I'm a XXXX Veteran and have many conditions and I suffer with XXXX XXXX this is why I have requested the text messaging first. I didn't receive the text message until after my due date which would have assessed my account a late fee and a 30 day late. I'm not sure why this happened but this is extremely damaging to my credit worthiness in which I'm working so hard to achieve, I'm a single woman and I don't have anyone to assist with my bills or a man bringing more money into the household. Had I been properly notified I would have paid the requested monies due in a timely fashion. Also, please be advised I had just been released from the VA for my conditions, and was being bombarded from Doctors to ensure I was safe. Upon receipt of the notification today, when I realized the payment was due I made said payment and attempted to contact them to discuss the alerts not being made appropriately ( XXXX est ) and they were not in the office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased a {$400.00} Vanilla Visa Gift card [ Card # XXXX ] from a XXXX XXXX XXXX in XXXX, Virginia for my wife, XXXX XXXX, in XX/XX/2021. She tried to use the card for the first time in late XX/XX/2021, but it was declined by the merchant. She called Vanilla Visa Gift Card Customer Care [ XXXX ] and was told that there was an issue with the card and it was no longer active. My wife filed a complaint with Vanilla Visa Credit Company, and she was assigned case number XXXX. Vanilla Visa Gift Card sent another card to my wife, but the amount on the new gift card was only {$250.00} [ Card # : XXXX ], {$150.00} less than the original amount of {$400.00}. I contacted Vanilla Visa Gift Card Customer Care multiple times by phone and was told that I would receive an e-mail about the matter. I was also told that the {$250.00} gift card would be inactivated and the matter would be resolved. 

The {$250.00} replacement card was, in fact, inactivated by Vanilla Visa Gift Card ; however, Vanilla Visa Gift CardXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX ], did send me a check for {$250.00}, but again, this amount is {$150.00} less than the original gift card purchase of {$400.00}. The company refuses to take responsibility in resolving this issue. I would like to be reimbursed the remaining {$150.00}, and for the CFBP to notify consumers, other Government agencies, and XXXX XXXX XXXX groups that have the mission of protecting consumers and ensuring their protection against fraud and high risk gift card products. 

Thank You for your time and consideration. 

XXXX XXXX XXXX XXXX, XXXX XXXX Retired XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: NM

Complaint narrative:
I have a couple companies that I would like to report. The issue is that these companies are continually making inquires on my credit and continually having a negative effect on my report. Each company do not notify me when they are making inquires or reporting. Therefore, each of these accounts will never fall off. I am trying to purchase another vehicle and I am not able to purchase one due to these accounts. 

Hunter-Warfield XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: NJ

Complaint narrative:
XXXX PM The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had booked nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX for {$250.00} for a trip in XX/XX/XXXX. The trip was cancelled due to XXXX, but the hotel extended a voucher to me through XX/XX/XXXX. 

The hotel ( managed by XXXX XXXX and their bank XXXX XXXX XXXX  XXXX ) went out of business and was reopened under a new management company before my stay. I was contacted by the hotel a week before the trip and told that I would have to pursue getting a refund through Citibank. ( emails attached ) I processed a dispute with Citibank who sent me a form to complete and the documents required. I was assigned a case number and never heard from Citibank again. I continued to contact customer service by phone, walking into a branch, and through social media and NEVER received any mail, email, call, text, or any other communication. Sometimes, Citibank would send the same initial form as if it was a new case. I got different stories from customer service each time I called. A couple of times I was told Citibank would mail me information or the case was denied. An employee at my local branch assisted me in sending the appeal in case via fax. ( email chain attached ) I have documentation for what I have described here + additional text messages with the hotel management company further instructing me to work with Citibank plus a record of the times I reached out to Citibank including screen grabs of conversations.

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 2022-01-29 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: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same Kay Jewelers also known as Sterling Jewelers. Kay Jewelers put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. XXXX XXXX XXXX opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. XXXX XXXX XXXX knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. XXXX XXXX XXXX are fraudulently opening up new collection accounts under a different name. Kay Jewlers and Sterling Jewlers are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX, Portfolio Recovery Associates, LLC - I disputed this account XX/XX/XXXX I asked for validation and requested a cease and desist of all communication. I recieved a letter from Portfolio Recovery ( Highlighted Dates ). Every month sence then I have been recieved a letter from Portfolio Recovery. Some times twice in one month. I have XXXX letter sense XX/XX/XXXX. I wrote another cease communication letter and sent it certified mail XX/XX/XXXX asking the to provide me with the sign contract from the original creditor with my signature on it and to cease and desist communiccation again! Hopefully they will stop by if not I will collect that letter and send another complaint till CFPB punishes them with a harassment with a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
1. Selene Finance response to CFPB complaint no. XXXX was chalk full of lies and omissions. 
2. Selene Finance did not mention that I had been on a COVID19 Impact Forbearance with a previous Servicer for two consecutive ( 6 ) month periods. That is one of the reasons a payment had not been made since XX/XX/XXXX. 
3. Selene Finance failed to mention that their customer Service Rep in XX/XX/XXXX deliberately told me that Selene Finance would not honor a Repayment Plan that had been set up with a previous Servicer because it covered too many past due months and that they only do so for 3 - 4 months. This was done to prevent me from making the XX/XX/XXXX payment just as the XX/XX/XXXX had been made directly to them via USPS certified mail. USPS Certified mail was the method of payment chosen due to Selene 's very bad reputation found online for all kinds of plots and schemes played out to enable foreclosure. Hence a letter was sent to me dated XXXX that the repayment plan was being terminated due to a missed payment and a lawsuit for foreclosure has since been filed by Selene. 
4. When a notice from them received only a few days prior to the XXXX deadline where they stated they would acknowledge & honor the previous Servicer 's payment plan, it was too late for XXXX 's XXXX payment to be made in XX/XX/XXXX. The form was signed, dated and faxed back to them on XXXX. 
5. One of their rep 's did offer me on XXXX to make XXXX 's payment on XXXX and XXXX 's payment on XXXX to get caught up when I called in to let them know the form had been faxed back to them. I did not have my checking account info with me at that time and he said he could call me back the next day for it. When I arrived back home, I noticed arrangements had also been made with another creditor. I called Selene back and spoke with XXXX. I requested two more weeks to catch back up. XXXX spoke with her manager who stated both XXXX and XXXX 's payment would need to be made by XXXX. 
6. I called Selene XXXX and was spoke with XXXX as was told only the full amount of past due would be accepted. ( This is well over $ 10k ) 7. Selene Finance should be held accountable for their purposeful deceptions to speed up Foreclosures.

Company response to consumer: Closed with explanation