vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On XXXX-20 received a notice in the mail from the Court of Common Please stating action is being taking against me for a debt that was sold to a third party collection agency without my giving verbal or written consent. I have made attempts to reach the original debtor but they have declined my outreach. I have filed complaints with all three credit bureaus stating the debt was sold which caused a breach HIPAA buy  selling my full name, social security and date of birth without written consent and such actions have violated my consumer rights rights creating financial damages and hardship. This action has contributed to the decline of my mental status and increased stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I consolidated my XXXX XXXX loans in XX/XX/2011. The total number of eligible payments is incorrect. I should be close to 120 eligible payments, but they have me listed at less than that. The loans were serviced through XXXX XXXX and XXXX XXXX and are now with FedLoans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX   ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX ) 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX  ( XX/XX/XXXX ) 2. XXXX/XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX (XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX (XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) 7. XXXX XXXX XXXX ( XX/XX/XXXX ) 8. XXXX XXXX   (XX/XX/XXXX ) 9. XXXX ( XX/XX/XXXX ) 10. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 11. XXXX XXXX (XX/XX/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 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: VA

Complaint narrative:
The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. 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 2020-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My card is locked and I've been trying to reach someone over American Express Serve to resolve the issue with no lock. I cant access funds or receive funds because of the issue with the card. I need help getting the card unlocked or to get a new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On Tuesday XX/XX/2020 I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX XXXX Their letter was an attempt to collect {$170.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This is in reference to a homeowner policy XXXX. I had previously faxed a request to cancel this policy to XXXX effective policy renewal of XX/XX/2020. XXXX chose, on their own accord, to continue coverage, then to cancel the policy on XX/XX/2020 resulting in a {$170.00} bill. I did not want to continue insurance coverage with XXXX therefore the reason I submitted the cancellation request. If XXXX had processed the cancellation as requested no amount would have been billed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/2015 I bought a wedding ring from XXXX XXXX XXXX. The ring was priced just under {$900.00}. When I told salesman I would take it he said : " 6 months same as cash ''. I was living in XXXX. My sister and brother n law went three times to pay the ring off before the XXXX month. A new sales person was disappointed they weren't there to buy something and said, " Without an account number I can't help you. " This was an untrue statement. About two years later I came home and went in to pay the ring. They said " Without an account number there nothing we can do. '' I got the manager. He made one phone call had my account number and a service representative on the phone. They said I owed nearly {$1300.00}. I explained what their sales staff did. The rep. agreed with me and I paid off the ring for the original price. Now I see they are ruining my credit. I want this report amended to show it was their fault not mine. We ( sister and I ) will take them to court if this isn't settled.

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I contacted PHH Mortgage today ( XX/XX/XXXX) and advised them that due to COVID-19 I could not make my mortage payment BUT I could pay the principal and interest on time ( by tomorrow which I have done anyway ) and then the escrow amount when my stimulus check arrives, hopefully within the next two weeks. 
They indicated to me that the payment of principal and interest would be placed in a suspense account until the escrow amount was paid and I WOULD be charge a late fee. 
That does not seem ethical. The escrow funds belong to me not to the lender, it is my money that they collect as a convenience to the mortgage holder NOT REQUIRED. The principal and interest is being paid on time and that should not be subject to a late fee, after all they are collecting interest on the money that they are holding and not applying to my account. 
My only option is forbearance which I don't really need, nor do I need the additional interest being accrued during the forebearance period. 
I appreciate that they have a forebearance program for people but that is not what I am asking for, only that they waive late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have attempted to close my credit card account as my annual fee is hitting. ( I got an email with my statement. ) When I go to log into my account online, I log in, but I cant access my credit cards at all. Even if i wanted to make a payment its not even possible. I also called the number on the back of my credit card ( s ) [ I have 2 with Citi ], and when verifying by phone number or social security number, they dont recognize me at all? 
I haven't changed my phone number at all since I've had any account with Citi, and I see no reason they wouldn't be able to see which credit cards I have by my social security number. 
Also when trying to get a hold of a representative through their automated phone service, I get the reply '' I'm sorry were currently experiencing extremely high call volume ... '' and immediatly get hung up on with no callback option or anything. 

What am I supposed to do? I want to close all of my accounts with citi at this point. 

From the email that shows my balance It has the option to view statement ... I cant even access that when i try to log in either. 
Statement date : XX/XX/2020 Payment Due Date : Saturday, XX/XX/2020 XX/XX/2020

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 2020-04-15 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: VA

Complaint narrative:
The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: VA

Complaint narrative:
The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. 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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Group Issued Double cash card. For example, charges from XXXX appeared starting XX/XX/2020. I HAVE NOT USED XXXX IN XX/XX/2020AND I HAVE NOT AUTHORIZED ANYONE TO USE MY CREDIT CARD TO PAY FOR XXXX. I HAVE NOT BEEN in XXXX XXXX or other cities/stated the crarges originated from in XX/XX/2020. 
Multiple times I informed the credit card by online messaging and on the prone about a number of fraudulent charges starting XX/XX/2020. fraudulent charges. At the moment AFTER MULTIPLE ATTEMPTS FOR MANY DAYS I am unable to access my online credit card account. After long wait, after reaching customer service representative the either hang up or transfer again to the waiting queue without doing anything. 

The CIti online system does NOT work! I am unable to reach my credit card account! 

I will NOT pay my current statement charges loaded with fraudulent charges unless they are removed and the breach is addressed by Citi Group.

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 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Several invalid and erroneous medical bills have been sent by the University of XXXX XXXX ( XXXX ) Hospital and XXXX XXXX XXXX to Transworld Systems , Inc a collection agency. The accounts are deemed inaccurate due to the fact that XXXX Hospital and XXXX XXXX XXXX have inaccurately billed for unknown services. Several requests have been made to both Transworld and XXXX for detailed cost information to support the various accounts in dispute. To date, I have only received back-up data for account # XXXX on XX/XX/XXXX and subsequently paid in full on XX/XX/XXXX [ see enclosure ]. This matter has been ongoing since XX/XX/XXXX. I have spent an enormous amount of time trying to resolve this issue with XXXX and Transworld. I have been going in circles with both companies as XXXX will not provide information or discuss the information as they state the records have been sent to collections. Transworld states they do not have any additional information and that I must contact XXXX to obtain copies of the records. This issue has negatively impacted my credit report and score. 

I have not received supporting information for any of items listed below. After disputing the various collections, items 1 through 4 were previously removed from my credit report ; however seem to have resurfaced. Considering the negative impact item 5 was having on my credit score, I went ahead and paid in full without ever receiving any back-up documentation. 

The records in question are highlighted in the attached credit report. 

1. XXXX XXXX in the amount of {$200.00} ; no supporting data 2. XXXX XXXX in the amount of {$200.00} ; duplicate charge 3. XXXX XXXX in the amount of {$200.00} ; duplicate charge 4. XXXX XXXX in the amount of {$520.00}. Paid XX/XX/XXXX 5. XXXX XXXX in the amount of {$920.00} ; no supporting data Paid XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank, has unfair and abusive terms to it credit ( a ) They took over several of my account over and double charged for interest. 
several of my cards went from 10 and 15 % to now 26 and 29 % They abuse the practice by charging very high interest rates to high-risk borrowers like me so that I wold likely to default on the loan.

( b ) they change the terms and condition of the loan ( XXXX  ), we had been sending money to an inmate, now they want to charge fees, Date of Transaction XX/XX/2020 XXXX XXXX Sent Amount {$30.00} they stated they charged {$5.00} but we have used the same care just several months ago - and was not charged, they change their terms when every they fill like it -hides or misrepresents the true costs, risks and/or appropriateness of a credit card terms, or changes the credit terms after the initial offer. I used pay pal and made and made and ordered. This company refuses to release the order or payment. XX/XX/XXXX, I ordered items and it was cancel by Paypal. But the amount is still be held up - THEY refused to release the funds after the order was cancel and it still a pending charge on the account.Thanks for your order at XXXX XXXX. Money won't leave your account until XXXX 's processes your order. 
( B ) Thanks for using PayPal. To see the full transaction details, log in to your PayPal account. Keep in mind, it may take a few moments for this transaction to appear.ORDER WAS CANCEL - as of today, it is still pending on the Master Card account. 
( C ) The Bank encourages me to borrower and to refinance an existing loan into a larger one with a higher interest rate and additional fees. 
( D ) XXXX stated that he and Everyone in the neighborhood is charged higher rates to borrow money, regardless of credit history, income or ability to repay ( tape recorded ) This Bank has adds language to my credit card contract making it illegal for a credit card holder to take future legal action for fraud or misrepresentation. The only option, t is arbitration, which generally puts the borrower at a disadvantage or for them to close your account as XXXX stated in a loud voice on XX/XX/2020Call Notify from.. 

This Bank is a Predatory credit card holder that imposes unfair or abusive loan terms on the credit card holder. It is also any practice that convinces a XXXX XXXX holder to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for encouraging me to transfer other account to the card for pay off. Then up the rates.

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
The underwriter, Stearns Lending, requested excessive documentation to refinance a loan I applied for. the unusual requests started right after the underwriter found out I had XXXX  last names as I was born in XXXX and XXXX last names are used there. 

The underwriter racially profiled me and requested much more documentation to what is normal. I eventually gave up on complying with the submit of the documentation requests.

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I lost my job on XX/XX/XXXX and was offered a forbearance agreement by PHH Mortgage that will allow me to skip 3 months payments but then have to pay all 3 months plus the current month in XX/XX/XXXX ( a total of 4 payments totaling {$9100.00} ) which will be impossible on my unemployment income which is 18 % of my regular income. This solution will put me in default on my mortgage and I then risk losing my home to foreclosure. This is a strategy that is very similar to the one banks and mortgage servicers offered during the financial crises where they advised homeowners to miss payments only to then aggressively foreclose on borrowers who could not pay the missed payments in one lump sum. I am alerting the CFPB that their solution is not viable and will result in massive foreclosures as we saw in XXXX, XXXX and XXXX when borrowers were unable to pay missed payments. 

PHH also used the following language in their forbearance letter to me : " Upon completion of this plan, the accountholder will be required to resume making regular monthly mortgage payments. However, other long-term mortgage assistance options may be available at that time. Before the end of the plan, we will contact the accountholder to discuss available mortgage assistance options for repayment of the deferred payments which may include a repayment plan, a payment deferral, or other loan modification options. '' This is exactly the kind of language that allows the servicer to control the foreclosure process in 3 months. By using non-committal language they are able to scam the borrower into a forbearance program without any specific solution in writing. And once the borrower is 4 months behind, technically in default on their loan the options they have are minimal. I know this as I fought in XXXX to keep my home and I am very aware of the mortgage servicer tactics they used and they are using the same ones in XXXX. 

Thus I have requested a 6 month mortgage deferment ( in writing via a certified return receipt letter ) from PHH so that I can have 6 months placed on the end of my loan. I only have 15 years left on my loan and if I have 15 years and 6 months left it will not make a big difference. However, falling 3-4 months behind while earning 18 % of my normal income during this pandemic will make a huge difference and I risk losing my home to foreclosure. 

Please help me work with my servicer PHH to get a workable 6 month mortgage deferment placed on the back end of my loan instead of a 3 month mortgage forbearance that would put me at risk of foreclosure. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpha Recovery Corp
State: NY

Complaint narrative:
The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XX/XX/XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.

Company response to consumer: Closed with explanation