vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have multiple duplicate debts on my credit report, and I do believe that is hurting my score! I tried disputing the accounts and thats when I started seeing duplicates

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the FTC, contacted credit bureaus, and contacted the company. XXXX XXXX XXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank has, for the third time in the last 3, allowed someone to fraudulently use my information to open years. 

OnXX/XX/XXXX, I received a notification from PayPal that I did not request. I called and requested information, and was advised to change my password. 

However, on this day, someone else was actually opening a credit card in my name. 

My concern with synchrony bank is that they are not properly screening applicants, as none of my actual information except the social security and phone number matches the information on the active account. 

They should be held responsible for their lack of effort in protecting social security numbers and ask for positive ID before allowing people to open accounts. Its completely ridiculous that this has happened three times over, and they come the credit bureaus instead of accepting responsibility for their own negligence.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed I had a balance of XXXX. I didn't want a balance showing on my credit report so I went online to pay off the balance. The site showed I could make a same day payment up until XXXX XXXX. I tried to make a payment at XXXX XXXX but the payment site kept showing the payment would have a posting date of XX/XX/XXXX ( next day ) I called Barclays at XXXX XXXX  and spoke to XXXX ( on a recorded line ) and was able to make the payment over the phone. XXXX repeated the amount and verified the account I wanted the payment to come out of. I had to verbally give him permission to make the payment. He stated the payment was made as of the XXXX but I wouldn't see the available balance until two days. A payment of only {$27.00} was made and it posted on the XXXX, the day after statement posting. I have attached the screen print of my attempt to pay on line, first line shows same day payment up to XXXX XXXX, the lower right corner shows the time of XXXX XXXX when I attempted to make the payment online after talking to XXXX so I could see that it payed and be sure it was going to post for that day. The second attachment shows my statement summary of the account with a statement balance of XXXX and a payment of only {$27.00}. I called back on XX/XX/26 when I noticed the balance, I spoke with XXXX around XXXX XXXX and the resolution was they would notate my account for the issue and open a case.s

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 2019-07-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a new checking and savings account with Citibank due to their advertisement of a {$400.00} bonus for opening the new accounts. I have received confirmation that I qualify for the bonus but Citi is refusing to fund my account with the bonus. I have attached a copy of the letter confirming that Citi acknowledges that the bonus requirements have been met.

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My original mortgage company Ditech sold/gave my mortgage to XXXX XXXX. At no point have I ever been late on my mortgage nor had any issues that have been presented to me, discussed, nor a bill sent to me from ditech I received a letter from XXXX XXXX stating I owe attorney fees to Ditech from XX/XX/2018. I have never received anything from ditech except my regular monthly mortgage bill. It wasnt until my mortgage was sold did I receive a bill from XXXX XXXX. We have asked XXXX XXXX, twice, to review and send me information concerning where this came from. Below is a copy of the letter/email they sent me after their supposed review. 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry in regards to your mortgage account. Our records show that the corporate advance fees are attorney fees that were assessed in XX/XX/2018, by your previous servicer, Ditech. Unfortunately, we are unable to waive corporate advance fees or fees that have been assessed by your previous servicer. We apologize for the inconvenience. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Please feel free to contact us if you have any additional questions. 

Sincerely, Customer Support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
XX/XX/2019 - I Purchased a kayak from a XXXX ad called XXXX for {$130.00} - A payment posted to for {$130.00} USD XX/XX/2019 - Received notification my package arrived ; ran to the post office to pick it up. Received a small envelope containing a SUCTION CUP. 
- Contacted paypal and opened claim # XXXX because " Item not as described '' - Uploaded photos of the advertisement & item delivered for evidence. 
- Heard nothing from Paypal. 

XX/XX/XXXX - Logged in to see they resolved the case in favor of the scammer. 
- Called to talk with them and asked they review the evidence submitted. 
- Woman apologized profusely and realized the error ; said I didn't have to worry and it would be resolved in my favor. Assured me I did NOT need to return the item, as it was clearly a scam. 
- Waited for refund. 

XX/XX/XXXX - Paypal log claims they " emailed me '' but no emails are on record in my inbox. 


At some point a week after the XX/XX/XXXX call, I started 2 support chats with Paypal to figure out where the refund was. The first chat was cancelled prematurely when I walked into the other room while on hold. 

The second chat, I was informed that they reversed the decision and settled in the scammer 's favor. I tried to explain I had already spoken with someone who assured me I was all set, and he explained I needed to return their kayak. He kept telling me they would only support my claim if the item was " significantly different than as described '' in the advertisement. I felt like I was talking to the scammers themselves! How was a kayak the same as a suction cup?! 

XX/XX/XXXX - I called again, possibly speaking to the same woman, and she told me that I had to return the suction cup. I explained that I wanted to put in a complaint about the woman who had lied to me before & that I should not have to pay more money to return a suction cup -- plus then I would NOT have any evidence of their scam. I asked them how I knew they would reimburse me if the item was returned & specifically stated that I wanted it in writing. They refused to put it in writing. The woman also explained to me that they needed to get the seller 's address " translated from XXXX '' before I could return it and that I would receive an email from Paypal within 24-48 hours. It is now XX/XX/XXXX and I have no email with the translated address. Time is ticking down until the case will be resolved in the scammer 's favor, and I am utterly disgusted and discouraged. 

I am the victim of a SCAM and Paypal is treating ME like the criminal. 
I will never do business with them again.

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This creditor just posted multiple false dates and late payments to the credit bureaus. They are showing my last payment as XX/XX/XXXX and I have bank statements showing no such payment was ever made. They also reported three years of late payments at once this year when nothing has changed on the account since at least XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I had been overpaying my escrow for over a year, however, recently had my property taxes reduced by 40 % as my XXXX Credit kicked in on XX/XX/2019. As I had an official bill from the XXXX XXXX Tax department stating what my taxes would be for the next three years, I had AmeriHome run an escrow analysis to reduce my payment and release the large surplus of funds in escrow. Their analysis confirmed the overpayment and adjusted my monthly bill accordingly. They also sent me {$1000.00} from my escrow. However, my net escrow balance is still {$1300.00} which is well above the " 2 month escrow cushion '' per law ( https : XXXX ). Law states that " ( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. '' My new monthly escrow payment is {$430.00}. If you multiple that by 2, my net escrow balance at this time should be no more than {$860.00}. I tried calling AmeriHome on XX/XX/XXXX and having them release the remaining surplus, however, they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Tried to obtain credit report about my own self from Experian by phone, online and various ways. On the phone, was told that all was fine and to pick which report I want. i said Experian. Was told report would come by mail. Then, by mail, Experian denied the request for its usual reasons ... illegibility or not proof of identity. I have prior documents showing them participating in illegal server transactions I want to prosecute them and/or class-action them. 

BTW : it is against the law to deny the individual their free annual report. Against the law to falsely accuse that individual of a crime. Using the name I gave and my home address, both supported with passport ( federal ) and driver 's license ( State of Florida ) in my possession, Experian mailed me the  denial notice which is evidence that the information that I provided was neither illegible nor incorrect. USPS delivered it to me at home with the address I had provided for report. ( USPS is gov't agency XXXX. To doubt my word that I am the individual named by me is to call me a criminal. Since I can prove that I am me, it is Experian who is committing a crime. 

I demand that Experian be investigated in my case.

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company. 
Assignment : transferring some or all property rights and obligations to another person through a written agreement. 
I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT. 
ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail. 
The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises. 
Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX  XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity. 
With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : 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 explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
My loan ( which has never had a single late payment ) was sold to Selene Finance earlier this year. In spring 2019 I made a {$5000.00} additional principal payment online in addition to paying a few days early for my next monthly payment. The auto payment feature ( counter to the next due date that posted online ) continued to take money from my account. This resulted in my mortgage paying a month early and occurred twice. The only help/advice I was given was to remove my auto pay and account information, wait for the two months to pass, then set autopay back up. I followed all of these steps and my XX/XX/XXXX payment posted but was immediately followed by a payment reversal. I received no phone call or email about this. I received a letter today, XX/XX/XXXX ( a Friday ), as my first and only notice the account is past due. No one is in the office and there is no ability to leave a message with either the main office or the customer service number. I logged on and paid the account in full, but have not paid the {$72.00} late fee that is also posted. I do not believe I should be held accountable for the late payment. This occurrence of events appears as though Selene Finance is setting me up to have a late payment post to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XX/XX/XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Round point mortgage servicing corporation filed false Annual tax interest statement year 2016 escrow reconciliation principal balance Homebase HUD corporate responsibility to Post property and Casualty survey that XXXX XXXX XXXX errors of Louisiana Department Of insurance missing NAIC lost insurance policies on XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mailing Transcripts and transfer mailing address XXXX XXXX XXXX XXXX , Louisiana XXXX covering Office of motor vehicle inspection Re : Installment Agreement White collar crimes Special investigations commissioners Louisiana police State bureau and Industry access Update members profiles XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX XXXX address XXXX  XXXX XXXX XXXX , Louisiana XXXXburden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor , Office of the Chief Information Officer, Attention : Departmental, La-Hire CareerOneStop Heavy Civil Clearance Housing Feedback Career one stop Annual Update Backrounds Of XXXX XXXX XXXX and wife XXXX XXXX XXXX both are eligible to The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to twelve workweeks of leave in a 12-month period for : FTC bureaus See and check ALL 3 reports with credit scores.Annual quarterly, daily weekly data systems updates Re : Installment Agreement Louisiana state licensing and Homebuyers Home choice Builders registrations Sunrise Louisiana new Housing developments Louisiana leevee Boards state regulators Help NAIC and federal grand juries Resolution resolve now for XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mail transfer XXXX XXXX XXXX XXXX , Louisiana XXXX Calling all independent sales organizations, brokers, and agents! XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX   Structured Settlement/Annuity Payments Official Lump Sum of Cash Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: GA

Complaint narrative:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

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