vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
I would like to file a complaint with XXXX XXXX, Experian, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of XXXX - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be 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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Hello, I previously submitted a CFPB complaint regarding how I can not see my new card ending in XXXX on the TD card services login. Instead, I only see my old card that was closed due to inactivity ( ending in XXXX ). I received a response advising that my account has been corrected. However, the correction was made only to my regular TD bank login, not my TD card services login. When I log into TD card services, I am still presented with my old closed card XXXX. My username for the TD card services website is the same as my username for the regular TD bank login XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-08 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have credit monitoring and Syncb/Amazon pulled my report i dis not authorize this.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
Refinanced into a conventional mortgage with Homebridge Financial roughly a year ago. Homebridge owns the note and ( until XX/XX/2019 ) serviced their own loans. Apparently, when they started using a 3rd party servicer ( XXXX? ) they also changed the loan number. We have never missed a payment and in fact had our mortgage set up on autopay at our bank ( Arizona XXXX XXXX XXXX ).  Somehow in XXXX the change in loan number started to create confusion at Homebridge because they indicated that we had missed that month 's payment. However, we did NOT miss that payment it just went into their system under the old loan number ... .but they still withdrew our funds. I have spend countless hours at my bank and on the phone trying to resolve this problem but it persists. We have provided Homebridge the transmittal report for the XX/XX/XXXX payment but they continue to indicate that we missed the payment ( and that we are accruing late fees ). Furthermore, our taxes and insurance were just paid from our account however this deduction will be too small because Homebridge didn't include our XX/XX/XXXX payment contribution. This is a mess and we do not know where to turn to resolve the issue. Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS BEING DISPUTED ARE NOT ACCOUNTS AUTHORIZED BY ME. THOSE ACCOUNTS HAS BEEN HINDERING MY CREDIT AND PREVENTING ME FROM APPLYING WITH NEW CREDIT. PLEASE HAVE THESE ACCOUNT OFF MY CREDIT FILE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE AND I AM DISTRESSED THAT THOSE ARE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Conn's, Inc.
State: AZ

Complaint narrative:
When I originally received products I was told I had so much time to pay of interest free. I spoke with someone in phone about payment and said I could go to the bank of needed. The woman stated no she would post date it for next day no worries. I specifically asked her if it would effect my no interest in which she stated no. I made various attempts and reports to fix issue even asked them to pull call to listen. They immediately began to charge exssesive interest. They got me in a high interest no principal payment. Told them to wasn't working properly and even though it should be covered under warranty they refused to fix it. Told them come get items they don't work. They never did. They harrassed me various times daily. Told them to stop calling they refused. Now yrs later found out from some letter in the mail from a law firm stating I may have been sued. Absolutely absurd!! Predatory high interest company that intentionally tried to XXXX me over, refused to help me when I reached out, and now suing me, after they harrassed me and all my references for yrs. For items that stopped working and we're under warranty but refused to cover. So I'm supposed to just sit back and XXXX XXXX XXXX why they XXXX me and my family over again and again? Worst scam ever. They should be ashamed. I struggle trying to make ends meet for my children and now they have some right years later to sue me without properly informing me, so that a judgement can be entered against me. Way to go Conn 's!!! Now maybe I will never be able to rent a home for my children because of some judgement. I'm not a hateful or mean person but in this instance O hope this company gets the same treatment they give everyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I made purchases on my personal credit cards for a company I was working for on the agreement I received reimbursement first before giving the products to the receiver. I was told to set up repayment on accounts through Wells Fargo. I was given account numbers and routing numbers from Wells Fargo to get reimbursed. I submitted my card balance after purchases and Wells Fargo paid my balance. After repayment I made additional purchases and was repaid through Wells Fargo. After about a month of this purchasing and repayments Wells Fargo returned all my payments and all the balances from the beginning were put back on my credit cards. My balances are up to 3 to 4 times the limit on my credit cards which proves payment. I have never been allowed to make a purchase over my limit on a credit card. This occured from the end of XX/XX/2018 through the end of XX/XX/2018. Once the payments were reversed I immediately called all my credit cards involved and let them know what happened and told them about the fraudulent payments. Then at the end of XX/XX/2018 my credit cards said I was responsible for the balances. I then contacted police, my credit cards again, Wells Fargo, three lawyers, The dept of consumer protection, and the OCC. The numbers of the accounts and routing numbers were all good from Wells Fargo when checked. I feel Wells Fargo should be responsible for paying my balances since they originally did so and lead me to believe the payments were legitimate. I have never been able to pay bills without money in my account. I do not have the money to pay back and my credit is destroyed.

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 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: UT

Complaint narrative:
I received a promotional brochure from Key Bank advertising that with a new account opened at Key Bank with a deposit of at least {$500.00}, Key Bank would credit the new account {$400.00}. A copy of the promotional brochure is attached. I opened the new checking account and transferred {$500.00} on XX/XX/XXXX. The funds I transferred were never credited to the new account with Key Bank. Upon questioning Key Bank, they stated that my funds had been received but were restricted for some reason. I have made phone calls, sent emails, and visited the local Key Bank branch trying to at least get my {$500.00} back. 12 days have now passed since Key Bank received my funds. I have yet to receive a substantive response or resolution regarding this issue. As a consumer, I don't know what recourse is available to me to pursue an organization that simply takes my money and feels no responsibility to address the fact that the money I sent does not belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Usaa locked all of my accounts with no notice, and will not tell me why, we went through our charges making sure nothing was fraud with the fraud department, all we were told is that it was being investigated by the " back office '' and they couldn't tell us anything for at least 3 more days where we would be unable to access any of our money at all, we can not withdraw, we can't use our cards, our credit is being directly affected by our inability to pay bills because of this restricted access, and we can not buy food or gas. This is insanely unacceptable especially when no reason is being given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management has called my office phone number multiple times a day for awhile. When I do answer, there is no one on the other end and it hangs up within about 5sec. They never leave a message. I have no idea what this could be about. I do not have any delinquent debts and I check my credit report annually for fraud. Below are the dates and times they have called as far back as my phone tracks : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: MO

Complaint narrative:
Currently CFPB is working with my complaint XXXX. While the issue of my missing payment is being investigated, Loancare reported my account as delinquent and ruined my credit score.

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 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gragil Associates, Inc.
State: NH

Complaint narrative:
In the process of applying for a mortgage, I became aware of two accounts in collections with Gragil Associates for services provided at XXXX Hospital in XXXX NH. I did receive bills from XXXX Hospital after the services ( two ER visits ) and let them know that they had billed the wrong insurance company, not the one that I had at the time of service. I was told that it would be resolved, and stopped getting bills from the hospital. This is the last I heard of it. When I found this on my credit report, I filed a dispute with XX/XX/XXXX ; the result was " verified as accurate ''. I contacted the hospital and was told that since it is in collections, they can not discuss it. I have contacted Gragil Associates directly at XXXX : I requested service dates for the original ER visits and was only given one date of XX/XX/16 and told that the other visit was " that same fall ''. I requested account numbers for each collection account and was refused. I requested that a statement be mailed to me so that I could have the full account numbers and bill for my records and was told that " the account is too old, we don't do that. We already sent it to you so you should have it. '' She verified my mailing address, which was correct, however I did not receive any notice by mail from this company. She told me that she was unable to tell me if the original charges were ever billed to the insurance company or provide any other details about the charges. When I told her that I believed there was an error in billing, she stated that " it was probably your deductible. '' The charges total nearly {$5000.00} combined. I was insured by XXXX XXXX at the time of the services ( one ER visit for myself, one for my daughter ), and I have been fortunate enough to have very good insurance coverage. I have never had a plan with a plan deductible over {$2000.00}, which means that the error in original billing was never corrected and simply sent to collections. The original provider will not address the problem, and the collection agency refuses to provide me with even the basic information about the debt. 
At this point my hands are tied, and even if I just gave up and paid the full amounts ( plus " collections fees '' of course ), the collection will remain on my credit report and still prevent me from being able to buy my first home. I appreciate any help that you can give. I am unable to attach documents, as I have not been provided any. 
Collection agency is Gragil Associates, XXXX XXXX XXXX, XXXX MA, XXXX, ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I received a letter from GM Financial that I would receive a final bill for any excess mileage and wear and tear in approx 45 days after I turned in the vehicle. I turned in the Vehicle on XX/XX/2019. On XX/XX/2019 I received a final bill that was due XX/XX/2019. On the bill it stated excess mileage of XXXX, a disposition fee of {$390.00}, and XXXX in tax. I was not made aware of the disposition fee until I received this bill as it is not stated in an identifiable manner but rather buried within the contract. the dealership that leased the vehicle to me did not disclose this to us at the time of leasing the car and we were shocked to receive this bill 3 months after we turned in the car and for 3 times what we anticipated. Upon calling GM financial the associate I spoke to stated the fee was for auction services, however the dealership bought my car and the car was not sold at auction. The GM associate changed her story and said the fee was a end of lease fee, when I asked why I didn't have to pay this on my previous lease she said that she did not know and would have to pull the contract. I also kept checking the website for my lease to see what my final bill was and it stated paid in full along with my credit report which I pulled in XX/XX/2019 which stated paid in full. when I checked my credit report today it not says I owe money and the account is open again this is inaccurate reporting. I feel this is deceptive practices for leasing a vehicle and this information should be accurate, disclosed correctly to the consumer at the time of the lease and not hidden in the contract and reported accurately to credit bureaus. Not a complete surprise 3 months after you turn in a vehicle. The GM financial associate also stated that I have 30 days to pay before I am reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management
State: NV

Complaint narrative:
This company began calling me numerous times a day for months saying I was being sued for a loan account opened over a year prior. They also called my mom, who was not listed on the loan, telling her I was being served for legal purposes. I called back and made a payment arrangement with the company to stop the harassing calls. The agent I spoke to, XXXX XXXX, was rude and threatening during this process. My boyfriend was suspicious of the whole thing, so I decided to XXXX this company. Not a single legitimate thing came up regarding this company. False address, numerous scam complaints. I called the number back that I had used the day before, no answer, BUT the voicemail gave a different name and said the person was a floor supervisor. I called the number again and XXXX XXXX answered the phone. I told him that I closed the account that I gave them information for and that I contacted my attorney regarding them because they gave false information about the company and they had a false address. XXXX XXXX began yelling at me asking how googling their address had anything to do with this and that i just made things worse for myself by closing the bank account and cursing at me saying do you think I give a sh** about you paying back your loan? I told him my attorney would be contacting him and hung up. He then began calling me again from a different number and leaving voicemails.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation