vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i was a victim of fraud and identity theft. someone had taken my identity and opened up a Barclays credit card under my name and recorded a debt in the amount of {$6400.00}. this account has been closed however i have reached out to Barclays and given them a series of documents including a police report against a specific person proving that it was not me who opened this credit card. Barclays is unwilling to work with me on this and is not giving a thorough investigation.the person who i have a police report has done fraud to other people as well.

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 2020-10-06 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
ShellPoint Mortgage company 1 ) They put my mortgage into forbarance at the hight of the Covid-19 Pandemic without my permition 2 ) They raised my Mortgage rate by {$200.00} a month without informing me even after several verbal communications on the phone 3 ) As a result of # 2, They claim that i was behind on my Mortgage payments even after i sent proof that i paid every month on time.

4 ) Response times were 30-40 days from email communication with company I now have late statements on my credit report and a forbearance that was not approved by myself or my wife

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I began the process to refinance my students loans through XXXX ( XXXX XXXX ) on XX/XX/2020. The refinance was approved on XX/XX/2020. At no time during this process was it communicated that the servicer for the loan would be American Education Services ( AES ), nor was it communicated that the loan would be transferred to AES as soon as the funds were disbursed. However, on the date that XXXX ( XXXX XXXX ) states they disbursed funds they transferred my loan to AES. 

XXXX  has refused to provide any type of tracking to show that the funds were actually disbursed. As of XX/XX/2020, my previous lender has not received the funds for payoff and XXXX  ( XXXX XXXX ) has confirmed that the checks they wrote have not been cashed. 

During the refinancing process, initially the documentation provided on XX/XX/2020 stated that my first payment on the new loan would be XX/XX/2020. Later in the day on XX/XX/2020 I received a notification of approval with the following statement : " We have created a Final Disclosure which sets forth the final terms of your loan and saved it to your account ''. I also received the Final Disclosure which had updated my first payment on the new loan would now be  XX/XX/2020. 

On XX/XX/2020, I received a notification from AES that I had a payment due to them on XX/XX/2020. I never received anything to show that AES would be my loan servicer, nor did I receive anything that the time until my first payment due would be reduced by two months from the Approval Disclosure or by one month from the Final Disclosure. 

At this point in time, I have two loan service companies stating that I have a payment due. I have tried contacting both XXXX  and AES and both are pointing fingers at the other and neither are able/willing to provide any documentation to explain why the Final Disclosure first payment date is not being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After

purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-06 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: TX

Complaint narrative:
Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( 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 non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
this account was paid through insurance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: AL

Complaint narrative:
STOP REPLYING WITH A TEMPLATED RESPONSE ABOUT BEING UNSURE OF MY IDENTITY. YOU ARE VIOLATING THE LAW. PAY ATTENTION TO MY REQUEST AND RESPOND ACCORDILING. THESE CFPB COMPLAINTS ARE ADMISSABLE IN COURT IF I DECIDE TO SUE YOUR COMPANY. 

ATTACHED ARE 2 FORMS OF ID. 

RE : Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX XXXX   XXXX Fraudulent Inquiry : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Our Mortgage company Mr Cooper/Nationstar for the last couple years has over charged our escrow account only to refund money later in the year. I have requested for them to change the time frame in which they do their recalculations multip times ... currently they recalculate in the middle of the XXXX XXXX  and XXXX XXXX  tax payment and our XXXX Insurance payment ... which is the most opportune time for the bank to pad the escrow account. Recently I requested for our escrow account to be discontinued because of their inability to accommodate, service and provide clarity on our escrow account. They are now claiming that we do not qualify to remove our tax and insurance and escrow account because of a covid forbearance payment that was due in XXXX being made in XXXX. In XXXX we made the XXXX and XXXX Payment on time, and we were just trying to be cautious in-case something worse than Covid took place. We live in NJ and XXXX and XXXX were very difficult times. We have never been late on a Mortgage payment with Mr Cooper in the 5 years that we have the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX and Equifax are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XXXX are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

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 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armed Forces Loans of Nevada Inc.
State: LA

Complaint narrative:
I am a federally protected consumer and Armed Forces Loans has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX/comenity bank reported that my account was delinquent 30 days or more. This is false. I made arrangement with XXXX due to COVID 19. When I called, they realized their mistake ... admitted that they were wrong, removed the late fees and the interest that was charged & said they would fix it. 
However, they still reported it late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
On XX/XX/2020, I set up automatic payments on https : //www.tmscustomer.com. I have 10+ credit cards and 2+ mortgages, whenever I set up an automatic payment, it is effective immediately. 

On XX/XX/2020, I was rushed to the emergency room and I had XXXX and XXXX. I was hospitalized for 5 weeks. I was so ill, I was not able to care for myself to include being able to XXXX due to XXXX XXXX XXXX & not being able to XXXX on mobile devices due to the symptoms of these illnesses. I was released from the hospital on XX/XX/2020. 

On XX/XX/2020, I double checked https : //www.tmscustomer.com to ensure my payments were current and everything was smooth. Unfortunately, I found out that wasn't the case. Therefore, I made my payment immediately for XX/XX/2020. 

I contacted TMS Customer Service the following 2 business day ( XX/XX/2020 ) and ( XX/XX/2020 ). I was informed that automatic payments take 1 month to be effective and I informed them it was an error on there end because I wasn't informed of this. 

Additionally, I was advised by XXXX, XXXX & XXXX to contact them directly to dispute the late payment due to their error and due to me contracting XXXX. 

On XX/XX/XXXX, I spoke with 3 different representatives. One representative informed me she would dispute the information but was not 100 % sure on this case. Another representative refused to let me speak to the credit department and told me to call her on XX/XX/2020 which I did and she informed me my request was denied and she wouldn't suppress the information due to the above errors and illnesses. 

Please remove/suppress the late payment for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: U.S. BANCORP
State: TN

Complaint narrative:
My credit was shown as 30 days late to XXXX, but not on XXXX or XXXX onXX/XX/XXXX However during that same time it also shows as not reporting to any credit reporting agency during the months ofXX/XX/XXXXto XX/XX/XXXX. This is an error since I have never been late on making my account payments. I have tried contacting them but they have not removed this inaccurate reporting from my credit files to 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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I choose to extend my lease & made several attempts calling Kia because I never received the extended lease contract. They have it in their notes. I know this because I was on the phone with one of their reps for an hour on Thursday XX/XX/20 & she told me plus my phone records match. She was very helpful that day trying to get my problem resolved because no previous reps took it seriously. She said she spoke to her supervisor because I'm not able to speak to them. She also said that she made sure to include my previous problems in her notes. I also spoke to the the collection department ( I've never made a late payment or missed one ) but because of this contract my payments were not going towards my loan. I was told that day by the collection dept there was not an order for a tow that it takes a few days after an order goes in & once the contract was signed everything will be ok. My co-signer & I received the contracts on XX/XX/20 we both signed them but my car was still towed that day. I called Kia immediately, he was extremely rude & told me there was nothing he could do & refused to get a supervisor. He even refused to read the notes. He told me to call tomorrow. I did get a much nicer rep & an apology because she read my notes but all her supervisor said was " good news '' we'll release your car but you have to pay {$420.00}. I also had to pay {$15.00} to the sheriff 's dept & {$45.00} to the tow yard. I kept trying to call Kia from to tow yard but they kept hanging up on me once they picked up. This is very frustrating, how can they take advantage of people. We don't have extra money to just give away. Especially during hard times like this. I was told at the tow yard I was not the only one this happened too & reading XXXX today for the first time it's scary how they get away with it. This is unacceptable. They caused me more stress.

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 2020-10-06 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:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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