vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 company CMRE Financial had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX credit agency and began to receive letters in the mail from CMRE regarding this charge/ account. I first contacted CMRE Financial asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX to file a dispute and they resolved it and removed it from my XXXX  Report. Present day, I come to find it was also on my XXXX but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my XXXX report also since XX/XX/2017 and I was unaware. I tried to contact CMRE Financial to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX and after two disputes being filed, XXXX  is claiming the fraudulent charge/account from CMRE Financial to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by CMRE Financial and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX the day of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
hi! my name is XXXX XXXX. 

United Wholesale Mortgage, the mortgage company for my home, collects monthly escrow for property tax and insurance. 

they accidentally paid the property tax for both my home, the address of which is XXXX XXXX XXXX, XXXX XXXX NY XXXX, and for an adjacent commercial property, XXXX XXXX XXXX XXXX, which is owned by an LLC called XXXX XXXX XXXX XXXX XXXX. XXXX which I do not own, have never owned, and have absolutely nothing to do with ). I found this out because when I called the mortgage company to inquire as to why they were showing me with an escrow shortage of {$48000.00}, they informed me that they needed to collect from me the taxes for my " 2nd property ''. They claim that the town which is the taxing authority, told them that I own 2 parcels of land and thus am responsible for both properties ' tax. the other property is owned by a cardiology practice, not by me, and is a commercial building with a huge annual tax bill. the mortgage company has paid the first half tax on both my home, and on this other property as well. They did this without ever consulting with me. Now they are trying collect the money for the other property 's taxes, which they incorrectly paid, from me. I have called several times, emailed, and sent them the correct bill for my home as well as researched and sent them the other bill showing that the ownership is a company, not me. they have ignored my contacts and continue to try to collect an extra {$35000.00} in taxes on this other property from me .... they claim that I need to contact the town and straighten it out???? they have added XXXX a month to my mortgage bill. This is absolute insanity and they take no responsibility for their mistake, instead putting the onus on my to straighten it out. I am concerned about my credit and need help in getting this situation rectfied. again, I have been contacting them since XXXX, and they have failed to provide any resolution what so ever, other than suggesting that I call the town.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following addresses are listed in my name with Trans Union, XXXX, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took a Care Credit Card out to pay for dental work I had done back in XXXX. I had charged {$2600.00} to the card and I had set up an auto pay direct from my checkin account, and the amount was paid to Synchrony Bank every month. After 2 years of paying it off, I thought I was coming close to settling the amount in full but I was surprised when I saw my XX/XX/XXXXstatement that showed a balance of over $ 2k. I called the company and was told that because I did not meet the requirements of the promotion which was to have paid it back by 2 years, Synchrony Bank charged me over $ 1k interest hence it bought my balance up to just over $ 2k. This was the first time that this was brought to my attention. Had I known that, I would have settled the amount instead of being charged an exorbitant interest fee. I have called Synchrony numerous times, been transferred from person to person for months and no one could help. In XX/XX/XXXX, I wrote to the CEO, XXXX XXXX and after months of no reply from her and her Assistant, I finally sent another email to her and this time it was responded to and basically all it said was you paid the minimum amount every month and because you did not meet the promotion requirements, you were charged the interest. I find this appalling. Very bad customer service coming from the top. Terrible communication and their method of operation leaves much to be desired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: CT

Complaint narrative:
I am trying to refinance my mortgage. However my existing mortage company XXXX Capital mortgage Texas XXXX is not providing payoff amount to new lenders causing delay in loan closing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent letters to I.C Systems requesting validation of debt also letting them know I did not open an account with them. They continued to report this incorrect, unverifiable debt on my personal credit report. I have yet to receive a response from this company which leads to EStoppel. I did not open an account with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
XX/XX/2021 at XXXX XXXX PST XXXX Credence Resource Management in regards to debt from XXXX XXXX XXXX. I contacted this company to discuss the validity of the debt and my options to clear it up. I spoke with a Supervisor named XXXX XXXX. We discussed options of repayment. I have lost my job due to COVID and that is why this is in collections. I asked for a XXXX dollar monthly payment arrangement. XXXX XXXX stated, there was a timeframe to clear this account up and that he would only be able to accept an arrangement of four installments of XXXX within the timeframe I had left. When I inquired on that timeframe he could not provide a dare and stated I needed to pay it as soon as possible to avoid the account from being " taken back. '' Furthermore, that the reason it was so urgent was that any money I put towards the account could be forfeit should it get taken back, and I would owe more money. I had to end the conversation as I didn't have the funds to make a XXXX payment. I did some research and found that the empty threats he was making were illegal. I contact the agency back on XX/XX/2021 at XXXX XXXX. I spoke with XXXX XXXX who put me through to his Supervisor XXXX XXXX. I explained what happened and the illegal tactics used. XXXX, acknowledge the illegal tactics and stated the XXXX XXXX was just trying to settle the account soon. He also explained that they have 180 days to settle it before XXXX XXXX XXXX can reclaim the debt. I requested a validity letter to be sent out and that I wanted the call pulled from XX/XX/2021 and that I will be reporting their company to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Today, XX/XX/XXXX I received a notification from XXXX XXXX XXXX  and XXXX advising that a new debt was owed to XXXX XXXX XXXX in the amount of {$11000.00}. This is a false amount owed. For the past almost 6 years this same company under another parent name of XXXX XXXX XXXX has been reporting a charge off for the same XXXX Cobalt of only {$4100.00}. Per the screenshots directly provided from XXXX  website. This is the same vehicle and account as you can also see by the date the account was opened : XX/XX/XXXX. Being that they are coming up on their expiration for reporting they have randomly added this false information to my credit line in an attempt to swindle more time and money out of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following addresses are listed in my name with XXXX XXXX, Equifax, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is using spoofed phone numbers and constantly calls no messages left i have attached the phone number they are calling from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
TALBOTT, ADAMS AND MOORE is trying to collect a debt that is not mine and a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my XXXXredit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ).

Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items 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 2021-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My complaint is pretty simple. 
When I applied for my loan years ago in the early XXXX, I was advised that I was getting a loan via The Department of Education ... Lo and behold, I'm just now finding out that anything pertaining to student loan debt via the government doesn't apply to XXXX XXXX XXXX ( the company that has my loan ). 
My complaint and question is, when did it happen that my student loan is no longer under the department of education? And why doesn't it apply to benefits given to others during this pandemic? .. 

I was never under the impression that XXXX XXXX XXXX services were " not '' apart of the department of education, because I've always thought that they were, now we're in the middle of a pandemic, and I'm now finding that no benefits being afforded to other student loan recipients, will be afforded to those like myself. 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC placed a collection on my XXXX report illegally. The company has never contacted me or sent me a 30 day dispute letter. Furthermore I have never had any accounts with Transworld or the creditor XXXX XXXX that they have listed. This account does not belong to me and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
Payment is sent to company each month. They have not recorded payments sent then proceeded to charge late charges. I submitted my proof of payments, since XX/XX/2020 still awaiting adjustments. Also company requesting Automatic Withdraws or will charge fees. Also their invoices are hard to read and do not show balance or principle payment. I send more than initial payment but dont see overpaid to principal or balance. Is there standards or compliance procedures for consumer invoices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: OH

Complaint narrative:
I make my student loan payment each month. This month I paid a little early. After I paid, XXXX deducted the payment again from my checking account. Since I already made my payment, I did not have enough money in my account to cover a second payment. As a result, my credit union charged me {$34.00} for a NSF fee. Now XXXX is saying Im late on my payment. 

I have contacted XXXX a couple times to get help with resolving the issue. The last time I called they told me I need to wait XXXX - XXXX business days while they investigate. They have all the information in my records and even acknowledged they can see I already made the payment but they are not helping me. 

Today, XX/XX/21, I received an email saying they were sending an ACH debit to my credit union again! When they do, I will get another late fee. I can not afford a second payment and these late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my report.

Company response to consumer: Closed with explanation