vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all XXXX 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: MN

Complaint narrative:
XXXX credit card companies have refused to take a payment telling me they would call me back in XXXX to XXXX business days. I asked them why they could not take a payment she said, '' she was not authorized to take any money ''. I believe they are letting it go further so they can sell the debt to an Attorney or write it off. I never in my life have had any one tell me I could not pay a debt! One credit card company is total XXXX the other one is XXXX XXXX XXXX. They post payments late are they do not accurately keep tabs on your payments so you are going to accrue late fees and over limit fees I don't know how this can be legal and why they are not policed better. Please check into this and stick up for the hard-working blue-collar people who try to make their payments on time and get screwed over by credit companies that aren't regulated well. Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
A like 6years ago my purse whent missing along with my cards Bank cards cell phone and important paper work I.D and social security card ever seens then someone has been using my Identity for credit cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for credit card for XXXX dollars it's been there for a while it's effecting my credit and I can't buy a home or buy a car because of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EXPERIAN was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Today ( XX/XX/22 ) we received a letter in U.S. mail advising us that our mortgage has been transferred from Freedom Mortgage Corporation to XXXX dba XXXX XXXX, effective XX/XX/22. Upon looking up XXXX. XXXX to see about setting up an online account, I found this press release from the Consumer Financial Protection Bureau ( https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-multiple-states-enter-settlement-XXXX-unlawful-servicing-practices/ ) and read the accompanying legal documents describing the consumer financial laws violated by XXXX, causing substantial harm to the borrowers whose mortgage loans it serviced and the {$85.00} million dollar settlement that XXXX was required to pay out. 

Horrified that we were being required to do business with a company that had shown itself to be untrustworthy in their mortgage servicing practices, I immediately called Freedom Mortgage to find out what my options are - can we stay with Freedom Mortgage or be transferred to a mortgage company we could trust? One XXXX could not tell me from where the decision to sell our mortgage had emanated- he had some vague idea that it was a bank. Why should a mortgage company or some shadowy, unnamed bank have the power to make these decisions irrespective of the consumer 's wishes? After speaking to 9 different people and being told over and over that there was a ) nothing they could do since the transfer was already complete ; b ) this is just the way mortgages are handled ; or c ) to stay with Freedom Mortgage we could refinance for a worse deal than the one they gave us 6 months ago, we decided that our only option was to lodge a complaint with your bureau.

HERE ARE OUR MAIN ISSUES : 1 ) We were not informed of this transfer before it was a completed transaction.

2 ) We are not being given any choice in the matter of who we do business with in this repayment of our largest debt.

3 ) We should not be forced to do business with a company whose business practices we can not trust.

4 ) If this is the way that the mortgage industry does business, then it should be forced to change. 

How should we handle this going forward? Since we don't want to deal with XXXX, we offered to continue making our payments to Freedom Mortgage, but we were told that they could not accept payments after XX/XX/XXXX. What do you advise? 

Thanks in advance for any help you can give us in resolving this issue.

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 2022-02-23 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: CA

Complaint narrative:
I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. TRANSUNION was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-23 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: CA

Complaint narrative:
I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EQUIFAX was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I was in the military got XXXX in XX/XX/2016 AAFES military star card hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not 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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I leased a XXXX XXXX XXXX through Hyundai Motor Finance in XXXX. I recently moved to XXXX and I have 30 days to title, register, and get XXXX plates on my vehicle. I have been in touch with Hyundai Motor Finance via phone, email, and secure messaging since XX/XX/XXXX. The customer service folks have told me on phone that they have sent the copy of the title to my address ( on XXXX ) and directly to DMV ( on XXXX ) but neither I nor the DMV have received the documents. I have followed up numerous times with customer service and I have never received a tracking number for the mail they supposedly sent. I moved to XXXX from XXXX on XX/XX/XXXX, and I need this paperwork to register my car in XXXX by XX/XX/XXXX. If I don't get a copy of my title soon, my car will become illegal to drive.

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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
Forbearance periods on federal student loans should count towards the Public Service Loan Forgiveness Program eligible payment count. My lender took advantage of my situation fresh out of college and encouraged me to take a forbearance on my loans when in actuality my payments would have been {$0.00} per month on an Income Based Repayment plan, thus counting towards my 120 months of repayment. They did not disclose the amount my payment would have been or else I would have never agreed to the forbearance terms at the young age of XXXX. So many people are in my same position. Give us credit for the months we have been employed in public service and have been responsible for student loans including the forbearance periods that we were wrongfully encouraged to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information

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 2022-02-23 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:
I was in the military got XXXX in XX/XX/2016 XXXX XXXX XXXX XXXX hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out a XXXXXXXX XXXX/navient loan for school in XXXX. They continuely for years pushed me towards forbearance until I was out and then struggled to keep up with payments. I then went into default about1.5 years ago and paid XXXX a month to try and come out of default but they never took me out of default. They continued to report on my credit as charge offs. Finally XX/XX/XXXX I agreed to settle. I asked for more time until XXXX, they said no and then I would owe the full balance. I had to borrow money to pay the loan. They then still continued for 2 months until XX/XX/XXXX to report as charge offs. XX/XX/XXXX is the date of the class action lawsuit that I am apart of and eligible for loan forgiveness of to when I would be refund as well. They pushed me to pay so I would not receive a refund of the forgiven debt. I now do not have access to my online navient account and when I call the number it doesn't work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Amerisave 's response to CFPB # XXXX doesn't resolve the issues as I described. 

It appears no one took the time to pull the closing documents or reconciled the escrow account against the projections mailed last summer as the starting balances don't correlate to any any online amounts. Their response tells me, I do not have a property tax escrow established even though the legal documents they created for closing advise something different.

Amerisave is acting in a deceptive manner for two reasons : ( 1 ) I was advised I would receive a credit at closing during the processing phase due to continual delays for my home closing and being asked for unnecessary documents. If the aggregated adjustment is a federal calculation, then where is my service credit for the gaps during the acquisition/processing of the loan? ( 2 ) As previously stated, it appears no one is looking at the closing documents to validate the information I am providing nor has someone validated the CD and the on-boarding of the loan was accurate as my closing disclosure clearly reflects my escrow includes property taxes and homeowners insurance ( CD provides a monthly escrow amount of {$610.00} ). It specifically lists a 6-mo requirement of {$2700.00} ( 6* {$460.00} ) and 3-months of HOI {$450.00} ( XXXX ) = {$3200.00} - aggregated adjustment {$1300.00} = {$1800.00} ( this exceeds my annual HOI amount ). 

Had someone on-boarded my loan accurately, the amount of the initial escrow would have been {$1800.00} and not {$440.00} ( as this is what occurred ). Had someone conducted the due diligence to validate the loan was on-boarded accurately, this error would have been caught inXX/XX/XXXX. It appear Amerisave may not have controls in place to mitigate this risk. Due to the continued failure of taking ownership of their commitments and fulfilling their role in good faith, their errors are causing consumer harm as I am now financially impacted. After talking to several people and not getting an appropriate response, I began sending additional escrow funds each month to bridge their initial & continuous errors to ensure funds are available to pay my XXXX property taxes. My taxes would have been delinquent on Tuesday, XX/XX/XXXX, as Amerisave failed to complete their responsibility as defined in the closing disclosure that was signed in early XXXX. I used a credit card to pay my XXXX property taxes as Amerisave has my money that should be used to pay it. As of today, my escrow balance is {$7800.00}. This is more than 4 times the amount required for my HOI. I would not have made these additional payments into my escrow had I known Amerisave was not going to pay my property taxes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I'm very satisfied to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I don't received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been dealing with a really bad case of identity theft over 10 years now. Ive been trying to fix my credit and get my score above 750 but it seems like that the credit bureaus dont want to help me out I first the credit bureaus all had my wrong name they had my grandfathers name with my Social Security number my grandfathers name is XXXX XXXX my name is XXXX XXXX XXXXXXXX . I have multiple increase there for multiple banks for multiple loans for multiple vehicles for multiple credit cards all days apart and have no idea where theyre from and I kept trying to contact the bureaus and charge to dispute it with them but they told me to contact each inquiries individually.

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