vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX  to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-Northern District of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit 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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: MD

Complaint narrative:
Upon looking over my credit report I noticed an account I do not recognize from Jefferson Capital LLC. I asked for verification of this account via certified mail on XX/XX/2020. I never received a response and this company continues to report an inaccurate account on my credit report. They are not following Metro2 reporting compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
My lease on my XXXX XXXX was ending and they gave me the option to extend my lease online and continue making payments. 

I choose to extend my lease for 3 months until I decided to buy a new car. I was told I would get information in the mail as I normally do to make my monthly payments. 

I never received anything in the mail the first month and my wife who pays the bills didn't pay it since we didn't receive anything. I finally got the first bill and showed that we had an outstanding balance. I paid it immediately when I got the bill, I have never been late on any of may payments for at least 10 years. 

I got notified via my credit monitoring that I had a a late payment from Acura Financial services. I immediately called them and they said that my payment was late by one day and there is nothing they could do. 

They said the call me multiple times on a phone number XXXX XXXX XXXX XXXX that doesn't even exist and said I gave it to them or the dealership gave it to them. The number I have on file is XXXX XXXX XXXX XXXX. I attached a screen shot of the number I have on file. 

The day after I made the payment I finally got a call on my cell phone the number that would have been on file that I was late. 

I had never missed a payment and I choose to extend the lease and never received a bill or any notification of a late payment. 

This is now affecting me to buy a new car and none of this was my fault. If I would have just turned in the car there would have been no negative impact on my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
I am senior citizen who is XXXX years old.Due to unforeseen family hardship In XXXX, I had to take out a loan on my home. I was force to file bankruptcy XXXX. The bankruptcy cover the past interest and the late payments that was accumulated, which would give me a fresh start with my mortgage payments. Unfortunately the bankruptcy would not assume the full amount of my home loan, only the past interest and late payments would be considered. After my mortgage was sold three times.The mortgage company that assumed my loan was Fay Servicing. With Fay servicing my payments were {$410.00}. I paid my monthly payments on time and some times would pay more.I noticed that my payment were starting the increase and I would have to pay more. For the month of XX/XX/XXXX I would have to pay {$1400.00}. Unfortunately my social security wouldn't cover the month of XX/XX/XXXX payment. With COVID 19 hitting things became very tight but I continued to make my payments on time. When I called Fay Services they refused to give me any information regarding my loan. They stated they need a form from the lawyer that file the bankruptcy. The release form was sent to Fay Services early this year. The company claim they never received it. I also have a copy of the form showing proof the lawyer sent paperwork. This company need to be stop and there taking advantage of many senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
Megastar has a one time payment option on website and company has denied my access to link with no warning. I was also put on a payment by certified check with no warning by the company. 

Im on XXXX XXXX with the military and the stress that this causes me is unbelievable. 

I will be submitting a daily CFPB complaint until this company resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made formal written requests to Bonneville Billings and collections to stop contacting me and attempting to collect of a debt that I discovered was due to my identity being stolen. 
Bonneville Billings and collections responded with pursuing legal action against me on XX/XX/XXXX. That was suspended due to Covid 19.

Since then, I mailed records of my police records and identity theft affidavit to Bonneville collections with another written statement informing them that this very bad old debt was a result of identity theft. 
Today on XX/XX/XXXX, I received a re-scheduled date of the small claims hearing where they are during me for this very bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
OnXX/XX/XXXX, I was trying to purchase a " XXXX XXXX '' for my furnace from a website calledXX/XX/XXXX. The valve was heavily discounted and I need to save money when I can. The web site showed a regular price of {$240.00}, but marked down to {$120.00}. I filled out the card information and made the purchase. After that, I get a receipt stating I had paid a total of {$94.00} to something called " XXXX XXXX. '' {$87.00} of that total went to XXXX XXXX, the balance was a " fee, '' with no disclaimer stating why the fee was being charged. I held off reporting as I waited for some response that my valve was on it's way. Today, two weeks later, I called Paypal, and I find that this money transfer was tagged as a " Friend or Family '' transfer, and because of that, Paypal claims they can not file dispute, nor can my bank. In essence saying, " sorry man, you XXXX XXXX, but we can't help you, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase XXXX XXXX XXXX credit card advertizes 3x points for " Advertising purchases made with social media sites and search engines ''. However, Chase is not crediting 3x points for my XXXX XXXX purchases even after sending them the actual invoice. Chase states that they will not give 3x points since XXXX is describing their services as " XXXX XXXX XXXX ''. 

Since what XXXX does is beyond my control nor should be under my actions, Chase should work that out with XXXX, fix their system, or accept that this is false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received a collection letter from Synergetic Communication , Inc stating XXXX XXXX XXXX has placed with their office for collection in the amount of {$2100.00} and offer to resolve my account with the following discount payment of {$540.00} due by XXXX. The original creditor was XXXX XXXX XXXX Visa, Ive called XXXX XXXX and was told I have a XXXX dollar balance on my account and the account has been closed for years. I am very aware of my financial obligations and is very alert with my credit history. I believe this is a scam and it needs to be stopped, not fair to the citizens and consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I recently refinanced my home due to the drop in interest rates. On XX/XX/XXXX I made my first electronic payment in full via my online banking portal. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I contacted AmeriHome because my payment was not posted on the online portal for AmeriHome. AmeriHome said my payment was not received. On XX/XX/XXXX I faxed proof of payment from my bank. On XX/XX/XXXX my payment was still not posted. AmeriHome stated that proof of payment was received on XX/XX/XXXX and would take 10-14 business days to reflect online ; however, on XX/XX/XXXX my payment was still not posted and AmeriHome now states that they do not have proof of payment. I refaxed proof of payment and contacted AmeriHome with my loan officer. AmeriHome stated they are working on locating payment and will update me daily. On XX/XX/XXXX I have not received a phone call ; no response ; no update ; payment still not posted. I have called and called ; I have completed a live chat ; I have sent messages via the online message system. I have been hung up on by numerous representatives. I have been told that " it is not that big of a deal '' by representatives. I have been on hold for over an hour. I do not know what else to do to get my payment posted and not reflect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
XXXX XXXX sold my mortgage to Flagstar bank. We continued to make payments to XXXX XXXX and no one notified us of the sell of our mortgage until we were 9 months late on our mortgage. When I finally received a phone call regarding the issue of being late from flagstar we were told that all notifications via mail were sent to our old address on file before we moved to the current location which is the address of which the mortgage was obtained. Now the company has ruined my credit and charged me late fees because they bought a loan not even knowing the address of the house on the mortgage they purchased. They refuse to waive all the late fees and will not voluntarily fix my credit score. Instead because of their incompetence I am the one inconvenienced.

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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/2020 i was called by my auto loan company, and was told i need to pay a pst payment and past late fees that have generated i told them i was able to pay both of as of right now but need to make sure that the late fees were applied correctly Over recorded call i was told that would be guaranteed and she would even follow up with me Today is XXXX PST and just got off the phone with an employee and manager and was told they just paid my next car note, i told them i was unsatisfied and next car note not even due yet and it's putting me in a bad situation because not late fees are still there and receiving phone calls They told that's the way it is done and nothing they could do The auto deal is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Fraud claim filed last year and still showing under my account, I am only making minimum payment until this issue is resolved however I see interest charges are added to my account every month.

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 2020-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am being harrassed by navient over a private student loan I am unable to pay at this point in time due to being laid off work earlier this year. I have explained the situation to the company and the response I received is " it is a private loan so it is your responsibility to pay back or get your co-signer to pay for you. '' I have asked to be put on deferment to which I am refused. They call me, as well as my co-signer every 30 minutes from about 15 different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2020, I was contacted by my employer 's Human Resources Department to inform me that they had received an unemployment claim on my behalf. I let them know that this was fraudulent and then I filed a report with the Illinois Department of Employment Security ( IDES ). I was advised by IDES to review my credit report with each of the three bureaus. 

When I reviewed my credit report on XX/XX/2020, I noticed an incorrect address as well as an account that I never created - the account type is a credit card and the account name is SYNCB/PPC. In addition, the credit report flagged this account as " Potentially Negative. '' After reviewing the information about this account, it became apparent that this was not a credit card I had opened as I did not even know it existed, so I first contacted the company and they immediately canceled the account and started an investigation. The credit card company confirmed that the address on file for this card matches the incorrect address listed on my credit report. 

I am now filing this report and will be reporting this to local police as well as the other two credit bureaus.

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 2020-10-28 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: FL

Complaint narrative:
I filed a dispute with Experian about several accounts that are on my bureau incorrectly. I filed the disputes online through their website yesterday, XXXX XX/XX/2020. Today I receive an email stating that there was new information for the dispute investigation. It states that the information was certified by the company reporting on XXXX XX/XX/2020. So there was no investigation? How can an account be certified three days before I dispute the account?

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
On XX/XX/20, I saw that something I have already disputed and had removed from my XXXX  credit report came up on my XXXX  credit report. At first I didnt know what it was for, but after calling and getting verbally abused I figured it out. The person on the line didnt say it was an attempt to collect a debt and that it was a recorded call when they first began speaking to me. Only later did they disclose that. I have NEVER received written communication from this debt collection agency in regards to this account saying I owe money, or anything of the sorts. The customer service rep just kept laughing at me saying you signed a contract and when I asked to speak to someone else that was more professional or could give me more information he outright denied me that opportunity. I said I will just have to get a legal team involved and he laughed again and said they are going to say youll lose because you signed a contract I believe they are treating me this way since it has already been disputed and they are upset they can not penalize me anymore. Its unprofessional and outright wrong to talk to someone like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management , LLC calls my number from 6-8 times per day, during hours that are not allowed and even on weekends. They are rude, aggressive and insistent even when told Im at work and unavailable. They have become a constant annoyance to my sister, who takes care of my special needs child while Im at work. The harassment needs to stop. They outsource work to employees in different time zones, so there's absolutely ZERO respect/consideration for the Eastern time zone and when theyre allowed to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: NY

Complaint narrative:
A {$75.00} cash deposit bonus was promised for getting a direct deposit from my employer. My Direct deposit of {$500.00} was received on XX/XX/XXXX and XXXX 2020 for {$500.00} yet the bonus promo was never credited. The terms of the promotion read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.

Company response to consumer: Closed with monetary relief