vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC
State: CA

Complaint narrative:
I received a notice from XX/XX/XXXX letting me know a Debt Collector - Machol & Johannes LLC Attorneys At Law - Representing XX/XX/XXXXhad re-added negative remarks to my credit report, reporting I owed them XX/XX/XXXX throughout XX/XX/XXXX from an account opened in XXXX, after XX/XX/XXXX had already confirmed this account was fraudulent and due to identity theft. 

This is not my debt. This debt was due to identity theft and this account was used/opened fraudulently. I had already requested this account to be closed in XXXX withXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX due to several unauthorized fraudulent charges being made due to my credit card/identifications being stolen and identity theft. 

I initially resolved matters throughXX/XX/XXXXin XX/XX/XXXX, submitted a police report and Identity Theft Statement via the FTC. Experian was able to initially remove thisXX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX from my report confirming this was due to Identity Theft. ( Please see the attached notices from XX/XX/XXXX below XXXX. 

However, this same creditor, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX has since then fraudulently re-added a new account under my name without my authorization and with Debt Collectors - Machol & Johannes LLC Attorneys At Law- stating I owe them the same amount ofXX/XX/XXXX. They are stating I opened an account now in XXXX ( which is false as I have not ever opened an account with this Merchant in XXXX ). They have also changed the original inaccurate non-payment period from XXXX to now XXXX and is continuing to report I am late on a payment I do not owe and this is a fraudulent account with fraudulent charges. 

( Please see attached Police Report and Identity Theft statement, as well as the notice from XX/XX/XXXX confirming they had already removed the initial account with the initial ( inaccurate ) non-payment remarks from XX/XX/XXXX XX/XX/XXXX 

I would appreciate your help with this. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hi! I have a CreditCare/synchrony credit card where i make a {$80.00} minimum payment. I recently have gone through financial hardship and i have been late on making a few payments and i can not stress how sorry i am for missing these last payments for the months of XXXX - XXXX of 2019.I know throughout the year of 2019 i haven't been making my payments on time but this year has just been exhausting, dealing with my very sick daughter, losing family members, switching departments in my job, and just trying to get my life back together. Overtime the payments and late fees started to add up and before i knew it, it just became a lot to handle and again i am so sorry.

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 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Equifax credit report. I have no knowledge of this account and want this debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
1. My purse was stolen in XXXX on XX/XX/XXXX. I reported this immediately to Citibank and had my card cancelled. No charges were attempted. I asked them to wait to send the new card. I called them on XX/XX/XXXX and asked them to send the new card to my US address. 
2. On XX/XX/XXXX I returned to the US, found my new card safely in my mail in a sealed envelope and activated the card. I used it for a few charges over the next two days. 
3. On XX/XX/XXXX, I flew from XXXX to XXXX XXXX. When I arrived, I had a message from the Citi Fraud Department. I called them back and they asked if I had purchased something at the XXXX store in XXXX that day. I insisted that I did not. They then said they would need to cancel the card, even though I had only had it for three days. 
4. A new card was sent out to me in California two days later and I assumed that was the end of the matter. The charge of {$1600.00}, followed by a credit in the same amount, appeared on my next statement. 
5. In XXXX, the charge appeared BACK on my statement saying 'security reversed. ' I called Citi who said that because I did not respond to a letter, they are now treating it as an actual charge. I called three different times to dispute this. Every time I had to start completely again explaining the situation to the nice people in the XXXX. But the charge was still not removed. 
6. On XX/XX/XXXX, I was able to get hold of someone named XXXX in the Security Department who assured me she could get it taken care of. I sent copies of plane tickets and rental car receipts to prove I was in the air at the time of the charge. 

The charge continues and every month finance charges are increasing. I refuse to pay this fraudulent charge and want Citibank held responsible for not obeying the laws.

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 2019-11-04 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: OH

Complaint narrative:
I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

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 2019-11-04 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 — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: WA

Complaint narrative:
Up until now, I have had a very strong credit score ( above 780 ) with a long history of paying on time on all accounts. Shortly after our mortgage was transferred to LoanCare, there was an issue with LoanCares auto-draft system set up on www.myloancare.com,  which caused my XX/XX/2019 mortgage payment to not go through. The result was a hit to my credit score of >100 points, which has significantly affected our family. 

Details of the error : On XX/XX/19 I registered for a web account through www.myloancare.com. I made a web payment on XX/XX/19. On the same day, I went through all necessary steps online to set up auto payments, which were set to kick in starting in XXXX. This auto payment didn't go through due to a LoanCare system error. I didnt receive a notification of delinquent payment that was sent by uncertified mail on XX/XX/19 to an outdated address and I have no record of a phone call from Loancare made on XX/XX/19. On XX/XX/19, I  noticed a significant decline in my credit score due to this account being overdue. The next day, I made a full web payment for XXXX, XXXX, and a late fee. My account is paid in full and there will be no more missed payments in the future. 

I have opened a disputes with LoanCare, XX/XX/XXXX, and XX/XX/XXXX, which have been denied without explanation. I have had many phone calls with LoanCare and XX/XX/XXXX about this dispute. I am requesting website user logs from LoanCare that prove that there was never an autodraft payment set up in XXXX of 2019.

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 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I purchased a new XXXX  at XXXX XXXX and at the last minute they used high pressure tactics to sell me a number of extended warranty products via XXXX XXXX. I wasn't too worried as the contract allowed cancellation within 60 days for a full refund, or a pro-rated refund after that. I have been trying for months to cancel this and just keep getting the run-around from XXXX  XXXX  who  say they can't get a response from XXXX. 

Two of the three products were eventually cancelled ( I don't believe I got the full refund I was entitled although it's hard to tell because the documentation is so poor ). I have tried numerous emails and calls and can not get the third cancelled. 

In the meantime, I've had to pay interest on the loan for these products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Experian credit report. I have no knowledge of this account and want this debt removed immediately.

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 2019-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: FL

Complaint narrative:
The first contact I had with this company they called me at my place of employment and stated that if since i was not going to validate my personal information to forwarded them to my HR for wage garnishment.I asked them not to call me at my place of work. They have called again and said told coworkers that there is a case filed against me, they call call from different number but leave the same callback number to call. They have called me from a XXXX XXXX number and a XXXX number and the company is based in XXXX. 
Global Trust Management also goes by XXXX XXXX and I have tried to explain to them that the online loan that they are trying to collect on from XXXX XXXX XXXX which is unlicensed in the state of Florida and I have a letter from the Division of Consumer Finance in XXXX that confirms that they are unlicensed and that makes XXXX XXXX XXXX uncollectable and unenforceable in the state of Florida. I have paid more than the principle amount on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This complaint is a continuation for the complaint # XXXX filed on XX/XX/2019 and the complaint # XXXX filed on XX/XX/2019. 
BofA called me right after I submitted the last complaint, on XX/XX/2019 someone from BofA called asking questions about XXXX XXXX my housing counselor. They provided a number to contact them XXXX ext XXXX until today no one has answered my calls or the housing counselor 's calls. We sent the pending information for the so called " modification '' they wanted me to apply and no one has responded either. Every time I try to call to the loss mitigation number it redirected me to another department and I can't speak with a representative. 

This is the third complaint I am filing regarding my problem with Bank of America. They extended the sale date to XX/XX/2019 just to keep ignoring me and not work on my application. I was told that I needed to apply for a modification in order to be eligible for a short sale and that's what I did. Until today BofA has not worked my file, doesn't return phone calls and doesn't want to deal with my housing counselor. 

I don't know what else to do, I have contacted your company because I was told that you were an institution created to protect the consumer but I don't see that BofA is really concern about the way its handling my file, instead they rejected the previous complaint and continue ignoring me.

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 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call 4 or 5 times back to back and outside of the allowed times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: OH

Complaint narrative:
I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: OH

Complaint narrative:
I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

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 2019-11-04 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:
My name is XXXX XXXX. I have a problem with one of my XXXX XXXX credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called XXXX XXXX and explained what had hapened. I filled a police report, I wrote a leter to XXXX XXXX explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.

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 2019-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been assessed fraudulent late fees since XX/XX/2012. There are twelve of these!! I was never informed of these late fees until I called Navient recently! My credit history shows I have never been late on any loan or credit card payments. This is a ruse. I have been paying on this account for 15 years and my account has not gone down. Navient told me I had to pay {$1300.00} to ever bring my account down. Capitalized interest on my XXXX dollars loan at 2.8 percent or so is often {$270.00} every few months. That is outrageous and a deliberate attempt to destroy me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a BMO cash back credit card in XXXX. Per the promotion, I'd get {$200.00} bonus after spending {$2000.00} within the first 90 days after the account is opened. {$2000.00} was spent in late XXXX and got posted in early XXXX. However, I still haven't received any opening bonus yet. I stopped by the local branch in XXXX and the banker told me to come back in XXXX if the bonus is not posted till then. I came back to the branch in XXXX and was told that the bonus would be posted in the XXXX statement. However, I still haven't got it yet till NOW. 

I'm so frustrated with BMO bank, and I would greatly appreciate it if CFPB can help step in.

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 2019-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Facts : I was contacted on my landline phone by a XXXX representative who informed me that XXXX was to return {$500.00} for services I purchased years ago which had been discontinued. They already had my checking account number and had me check to see if the {$500.00} was deposited. I checked, no ... XXXX, phone number XXXX stated check again ... no ... so then XXXX stated he needed to use the XXXX XXXX   server account to deposit the amount ... He pulled up a XXXX XXXX  server where I was to put my name and amount of {$500.00} to be transferred to my account. Instead of putting {$500.00}, I accidentally added an extra XXXX which I was unable to delete and was verified. {$5000.00} was placed into my account ... due to the mistake, XXXX 's superiors would not understand the mistake and place the blame on XXXX who would lose his job. XXXX, his manager, phone number XXXX informed me that I needed to withdraw $ XXXX and send to a XXXX  Agent to replenish the extra amount which I did. I withdrew {$4500.00} cash and mailed to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ca XXXX by overnight XXXX XXXX. XXXX then informed me the next day, that XXXX XXXX  wrongfully put another {$4500.00} into my account ... again, I was to keep {$500.00} for my services and mail {$4000.00} to a XXXX  Agent which I did to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, CA XXXX. 

Bottom Line, {$5000.00} was taken out as a cash advance on my Premier credit card and another {$4500.00} taken out of my line of credit without my authorization or permission. US Bank Fraud has denied since they said it was a scam. 

My accounts are with US Bank and I now have a lost of {$8500.00} minus the two {$500.00} deposits. 

I can be contacted at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX  XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 Cbna - Inquiry from XX/XX/2019 I need these removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MA

Complaint narrative:
The late remarks started from LATE 120 DAYS and there is no prior late remarks. I believe this is a mistake. 

The Account numbers are : XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
in XX/XX/2018 Discover called to set up a payment arrangement for Discover card they told her that the charges were right at {$2500.00}. After doing some investigation we discovered that that was not the charges that I have made. My total charged on the account were less thaN {$700.00}. I submitted bank statements, police report, statements from the bank of the fraudulent account stressing to the fact that I did not have, nor had I ever, had an account with that bank, however the fraud department of discover card services section of chose to hold me liable for the charges on the account saying that since they had previously received payments from my XXXX account that the other account had to be mine also. They did not, per their representative, did not investigate the fraudulent bank account, they did not contact the merchant where the fraudulent charges were made, they did not except the police report and they did not remove the fraudulent charges. Discover did not do anything to resolve this issue, or too verify any of the evidence submitted.

Company response to consumer: Closed with explanation