vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: MD

Complaint narrative:
I have tried numerous attempts to get my interest rate lowered. I have been paying 6 1/8 % since I had took out these loans. Only half of them were subsidized. In XXXX, I switched to a graduated payment plan. For past six or seven months, all of my payments have gone to interest, including the payment in XXXX which happened after the Covid-19 relief plans were announced. The federal government has made a tremendous amount of interest off my education. I am only allowed to deduct {$2500.00} per year in interest. I also never qualified for the lifetime learning credit or any education credits as my income was too low during my time in XXXX  school. I want these issues addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.

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 2020-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my 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 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I KNOW BANK OF AMERIC AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE BANK OF AMERICA IS SELLING MY INFORMATION TO THE THIEF.

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 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my 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 2020-05-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: CA

Complaint narrative:
I KNOW XXXX XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE XXXX  XXXX XXXX IS SELLING MY INFORMATION TO THE THIEF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have had a loan account since XX/XX/2014 in the amount of {$25000.00} with Santander Consumer USA Holdings Inc. To this day I still owe {$14000.00}. I have made additional payments ( outside of regular payments and they still take interest ). This company is a scam. I need help as I have already given them XXXX on my truck and I am still upside down. You can't get any help when you call them. This is beyond unresonable and I do not know what else to do. I would default on the loan at this time but I am working on my credit and it is very good. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.

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 2020-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
On XX/XX/XXXX a representative from Bayview Loan Servicing called me and asked if I wanted another 90 day forbearance added to the one that I had and I said yes and she stated that a letter to confirm would be sent under the Cares Act.As of XX/XX/XXXX I have never received such letter and I called and talked with someone there I believe there name was XXXX and she said that she could not find anything and that this law did not apply to my account just like the XXXX XXXX has no clue that when a property in XXXX County is titled in Joint Tenancy that you do not need to probate they are breaking Federal Law and this seems to happen all the time. If you read Colorado Law since the Joint tenancy gives you the right to survivorship and I guess Bayview is to XXXX  that being the XXXX XXXX XXXX my father and myself are both the owners which the lawyers will point out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I paid XXXX by check and advised them i would not use my USAA Visa credit card. I gave them a check for {$720.00} dollars .I then called XXXX XXXX ( XXXX ) XXXX XXXX EMAIL XXXX because they charged my credit card and i never gave them my card. If you XXXX complaints about XXXX you will find many complaints about them. I am XXXX and not demented at all. XXXX said you did give me your credit card. I then emailed him all of the complaints about XXXX. 
I have a USAA Visa credit card and i wrote a detailed complaint. USAA 's computer bounced it back at me stating " it is too lengthy. I then received a letter saying that my dispute was denied because i did not give them enough information. I then wrote a letter to the CEO Mr. XXXX he had XXXX XXXX ( XXXX XXXX XXXX ) Customer Advocate EXT.XXXX. You must say " extension '' after the options end. 
call me. She argued the The Fair Credit Lending Act did not apply to this case. I then discussed this with my banker and she said that usually THE MAX one should be paid per The Law and usually it was nothing. 
I called back XXXX and she said " they do not think your case is valid '' .The " they '' remained confidential. She stated i owed USAA Visa {$380.00}. I see both XXXX ( i reported them to Florida State Attorney general ) and XXXX as scamming a senior citizen. In Florida that is a 3rd degree felony punishable by a {$10000.00} fine and up to 5 years in jail. I am reporting USAA Visa because when i XXXX USAA complaints i found a flood of complaints. I have been a USAA card holder for many years. I am a retired XXXX  XXXX XXXX XXXX XXXX with decades of service. I ask for you help with this problem because if i do not pay the {$380.00} they will damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Home paid off in XXXX of 2020 with a company called Home Point Financial. 
Refinanced with another company due to Home Point Financial raising mortgage payment ( increase off XXXX/month. They had said the taxes were higher than anticipated and if the taxes were paid by me, the payment would not increase. I paid the taxes but they still kept the mortgage XXXX/month higher than what it was, so I refinanced with another company ). 
Home Point Financial will not return owed escrow payment. ( {$2600.00} ) Inquired in XXXX of when payment would be returned. 
Home Point Financial states that they sent a check in XXXX. *never received* ( never had any issue getting their statements here, or any other mail ). 
Asked Home Point Financial to put a stop on old check and send a new check. They agreed and said new check will arrive in 2-3 business days. 
5 business days pass, no check, call Home Point Financial again. They state check was not sent but will now be sent to me by the XXXX of XXXX. 
XX/XX/XXXX, continue without check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
XX/XX/2020 at XXXX I made transfer Walmart to Walmart online using XXXX XXXX. My wife was already there to pick up the money but was told I needed to call to verify info first and the amount exceeded the amount allowed to be received. At this point I called customer service at XXXX XXXX  to cancel the transaction I was told I couldnt cancel transaction because u needed to verify info first so I was transferred to department for verification and was on hold for over 3 hours. Once I finally verified all info I cancelled transaction but was only refunded partially due to not canceling in required 30 minutes although I was not allowed to. I have recorded communications where customer service representatives misrepresented themselves as supervisors and refused to transfer calls and terminated calls although issues were not resolved. I have made dispute with my bank and am requesting full refund for XXXX due to not being able to cancel Im 30 minutes when I was told I couldnt. These tactics used are equivalent to sales fraud and the customer service representatives handled this poorly and were very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is a collections company and it is against XXXX to transfer information that is not mine. It was removed from XXXX, XXXX and Equifax Keep removing and placing the information back on my credit. It should be removed immediately as it is not mine and it is medical sold to a third Party. I was a part of the major Equifax breech and i strongly believe this is a part of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX  ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. 

On XX/XX/XXXX, XXXX attempted to collect the paid debt again. 

I attached all information to support everything represented in my complaint. 

I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? 
How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? 
What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? 

I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2020 I received a notification from my Credit Monitoring Service stating that my Syncrony Discount Tire Credit Card had been closed. I contacted Syncrony Customer Service. I spoke with several people and was informed that my account was closed due to a poor credit score of XXXX. As I was on the phone with customer service I reviewed my score personally and my score was much higher than the customer service representative claimed. I was then informed by another customer service representative that my card was cancelled due to my payment history with synchrony. Which makes no sense because I have paid the payment on time every time and usually paid more than what was due, so my payment history with synchrony is perfect. I asked to dispute the account closure and was told that I would have to dispute the card closure with XXXX and that there was nothing Synchrony could do to correct the issue that it was all on XXXX. I explained to the rep that XXXX is a credit reporting agency not the bank that provides the credit line. She insisted I had to dispute the card closure through XXXX. Synchrony basically closed my account under false pretenses causing a damaging mark on my credit.

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 2020-05-17 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation