vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
On XX/XX/21 I received a loan for {$2200.00} from Big Picture Loans. On XX/XX/21 I advised I would pay it off. However, they told me the pay off amount was {$2800.00}. That is a fee of about {$700.00} for holding a loan for one month. They are charging a 1.10 % daily interest rate. 

After doing some further research it appears this company isn't even licensed to do business in the state of California and this is an illegal loan. 

After even further research it appears there are multiple lawsuits against them for illegal business tactics. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express XXXX offered two {$50.00} credits for spending {$50.00} or more with XXXX XXXX if it was ordered online. I spoke with a representative about this and other officers and was told I had to order the item online which is what I did. I relied on their guidance. 
I purchased two items online under this program on XX/XX/2021 and XX/XX/2021 and did not receive the credits from Amex. 
When I called AmEx they said the orders did not qualify because they had to be shipped to home. They claim they can not do anything about this because the credit is 'system generated '. 
I am submitting a complaint because I was advised by an AmEx representative about the offer and the requirement to purchase online ( which I did ) and nothing about having the item shipped to the home. I believe I was misled and met the substantial requirements of the offer. The fact that this offer is system generated is not of my concern. 
I had called to cancel my card in XXXX and the representative walked me through this and a couple more offers as a way to entice me to keep the XXXX  card. I relied on this information to keep my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
Springleaf Financial Services My name is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I am writing to you because I have had an ongoing issue for over 5 years and have been unable to have it resolved. I have reached out to multiple departments, including my local XXXX XXXX and XXXX XXXX. I have had no resolve. In XXXX of XXXX, a company called Springleaf Financial informed me that I had started to apply for loans that I never received. Springleaf also stated that I received several checks and endorsed them and cashed them. I am disputing this because I never received these checks. I was hospitalized during these alleged check issuances and cashing. I have included this proof with this letter. I have also included a copy of these checks. I strongly believe that my identity was illegally used to obtain these funds. I have hired various attorneys such as XXXX XXXX and XXXX XXXX but neither attorney provided me service. I also have paperwork and documents to prove this. I have taken out a loan with Springleaf in the past for {$500.00} and when I went to pay it in full I realized that there was extra money taken out in my name. I have been fighting this case for several years now and now I am seeking your assistance. It is hard for me to hear and I am forgetful so please send any correspondences to my box listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX and my mortgage acct number is XXXX. I have had multiple complaints. Our mortgage payments are constantly being mis applied and saved in reserved which is looking like we are behind in our mortgage payments. This month we only paid enough to make a full payment about with the funds that are in reserve and paid an additional amount to avoid and fees can you please look into this for me. I am unable to call due to being in a chapter XXXX bankruptcy I am unable to be assisted over the phone. 

Also my chapter XXXX bankruptcy payments are showing as less then what has been paid into the Trustee can I also get that updated. 

Thank you

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all XXXX credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
hard inquires made on XX/XX/2021 by XXXX Card and Citi Card/Citibank and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my 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 non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
XXXX XXXX received paper mail from XXXX XXXX for bill for {$2600.00} without details in my name. 

I assumed this was sent in error and disregarded. I have never had XXXX XXXX before or made any purchases or opened up any accounts with them XX/XX/2021 received mail from Debt collection agency " Receivables performance '' for collection of {$2600.00} in my name. 

Again disregarded as thought this was sent in error XX/XX/2021 received credit report update from XXXX mobile app that credit score had dropped about XXXX points and notice of a late payment with receivables performance for {$2600.00}. 

XX/XX/2021, called XXXX XXXX  to open fraud investigation and dispute. The representative stated he would escalate matter to higher management and there was concern that someone had opened up account for free phones worth {$2600.00}, and then closed account : appears to have been opened XX/XX/2021, and closed in XX/XX/2021. 

XX/XX/2021, awaiting reply from t mobile, reported fraud to credit agency 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 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
AAMS LLC is not only reporting an account that hasnt been legally validated but they are also inaccurately reporting the account to the credit bureaus which is false and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Specialized Loan Servicing LLC has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

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 2021-07-16 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AZ

Complaint narrative:
Transunion report XXXX XXXX  - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX, XXXX did not request an inquiry from this company XXXX  XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XX/XX/XXXX did not request an inquiry from this company XXXX- XX/XX/XXXX did not request an inquiry from this company XXXX XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not request an inquiry from this company None of these inquiries were authorized. According to the FCRA legally these items are unauthorized and must be removed.

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CT

Complaint narrative:
We closed on a mortgage with American Pacific Mortgage XXXX  in XX/XX/XXXX. We pay additional money toward principle and we began attempting to work with them in XX/XX/XXXX because they were putting the additional funds in unapplied funds. They have passed us on to at least 7 people, all who respond with statements such as this is a mess, I will work on it, have blamed the problem on their service company, and have assured us that they have notated in our account that any additional funds should be applied to principle. We have begged them to sell our mortgage ; I have had many mortgages with many companies/banks, and have never experienced such inability to one, apply funds as requested with a simple straightforward mortgage, and two, and most concerning, to fix an issue in a timely manner. As of this morning, they applied our extra payment to unapplied funds and upon contacting them, sent us an email asking what we wanted to do with the funds. It is as if we have not sent at least 100 emails and spoken to at least 7 people about this very issue. We have no trust in this company and, in fact, have begun to wonder if there is fraud involved, as Im quite sure there are borrowers who do not attend to their account as we do. 
Thank you for your assistance with this matter.

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 2021-07-16 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all 3 credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.

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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX  are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, Mr. 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 non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I refinanced this car loan and the new company made sure that Global Lending Services received my payoff check by XX/XX/XXXX in order to avoid any further credit reporting. Global Lending Services has diligently reported my car loan payment on the last day of every month since I had the loan in XXXX. I made sure they had at least 1 month payment by the last day of each month to avoid being credit reported for 60 days past due so only to be reported for 30 days past due. I made a complaint due to XXXX XXXX reported my loan as 30 days past due on XX/XX/XXXX the same day they received my payoff check on XX/XX/XXXX for {$12000.00} and they are refusing the correct this credit reporting of 30 days to show paid as agreed. I brought the account up to date and current back in XX/XX/XXXX and XX/XX/XXXX to avoid any further credit reporting while i refinanced the vehicle loan and it was reported as paid as agreed on XX/XX/XXXX and I was assured by a rep at XXXX XXXX on XX/XX/XXXX that since the payment was received the same day that it will be corrected and how they are refusing to correct the reporting. In the letter they advised that due to the account being 30 days past due when the payoff was received by law they have to report the 30 days past due as of that same day even though they got a payoff check that day which makes absolutely no sense to me what so ever. If I would have made my payment of {$500.00} that day it would not have been credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I spoke with a rep at Equifax who couldn't help me with getting the unauthorized and incorrect items below removed. 

1. The inquiry was not authorized XXXX  XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation