vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
In early XXXX, 2020, I received a letter from Firstsource Advantage offering to settle my account with them for {$310.00}. On XX/XX/2020, I called Firstsource and spoke with a representative re : the account. I then made an online payment of {$310.00} to settle the account. After that phone call and payment, I thought that the issue was settled. 

On XXXX, I received a letter from Firstsource informing me that I now owed {$690.00}. This amount is even more than the original amount they quoted, and more than twice the amount that I paid to settle the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: NY

Complaint narrative:
Not my items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: NY

Complaint narrative:
Not my items

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Back in XX/XX/XXXX, BofA targeted me through my online account used to manage my credit card with " an exclusive {$300.00} checking offer '' for opening a checking account. The terms were to make {$4000.00} in " Qualifying Direct Deposits '' within 90 days of account opening, and the bonus would be paid within 60 days. I opened an Advantage Plus Checking account online through the link provided by them on  XX/XX/XXXX, and fulfilled those terms with payroll direct deposits by XX/XX/XXXX, as follows : XXXX {$240.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$600.00}, XXXX {$980.00}, XXXX {$1000.00}, XX/XX/XXXX {$540.00}. After 60 days went by and no bonus was paid, I called them. Spoke to someone in the " Deposits '' department, who looked over my statements with me, noted the payroll deposits in question, and escalated the case for me. I was told I should hear back within 2 weeks, and if not to call them back. I heard nothing, so I called them back, and was told that my deposits didn't qualify for the bonus. I contested it and escalated the case again, and was told again that I should hear back within 2 weeks. Again I heard nothing, so again I called them back, and was again told that I did not qualify for the bonus. This time, I asked to speak to a supervisor, who argued with me that my direct deposits, which were payroll from my employer, WERE NOT PAYROLL but were ACH TRANSFERS! After going around in circles with her, I hung up. As of today, XX/XX/XXXX, I was finally able to zero out and close my account with them. I feel they lured me in with the promise of a bonus that they never planned on paying out, and are a dishonest company. I've been a customer of BofA since XXXX, and it seems any time there is a problem they fail to protect the customer or take their side. Next step is closing my credit card account.

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 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
ECMC keeps hiring third party bill collectors to either put a wage garnishment on my paycheck or to continue harassing me despite the fact they have no evidence to prove I incurred this debt. Every time I dispute with the credit reporting they hire another third-party collector based out of Delaware.

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 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
For the past month I've been calling Fed loan servicing about student loans that was FRAUDULENTLY opened in my name I've sent them all required documents and all they have been giving me is a run around and not taking my situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on Equifax, XXXX, and XXXX  for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on XXXX, XXXX, and Experian for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2020I paid off a collection from XXXX XXXX Preauthpmt XXXX XXXX, XXXX XXXX That's how it show 's up on my account for {$58.00}. On my credit bureau says XXXX XXXX XXXX  # XXXX XXXX. They told me they would put a request together for Equifax  & XXXX  and rushed the request to get it taken off of my credit. I've made numerous phone calls to Equifax and they said I could dispute it. The problem is I can't dispute anything because I'm applying for a mortgage and the collection is dragging my credit score down. Please let me know if you can help me get this taken off of my credit. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
XXXX  Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX   customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent  us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. 
Here we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX  to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
I have contacted the collection agency to inform them that the account they have reported to the credit bureaus is inaccurate and erroneous. They reported this alleged debt to the credit bureaus in XXXX of XXXX. 
I just recently learned about this debt in XXXX of XXXX. 
I have informed them that I do not owe this debt that they allege. 
I have since filed a Small Claims Suit against the original creditor for this error. 
I have sent copies of the small claims filing to the collection agency giving them further proof that I do not owe this debt and that the original creditor should never have sent it to collections. 
The collection agency has continued to report this inaccurate debt with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: OR

Complaint narrative:
I returned multiple receivers and remotes to XXXX in XX/XX/2019. A debt collector called me in XXXX and I submitted all my documentation and confirmed in-person to XXXX that my account was resolved and in good standing. 

Suddenly a new collector, Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX is contacting me. 

I do not owe this debt and they are not authorized to be contacting 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 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I submitted an application for mortgage assistance to my loan servicer, Nationstar Mortgage LLC d/b/a " Mr. Cooper '' and it was rejected for insufficient documentation, without specifying what additional documentation they were looking for. The application was rejected several weeks ago, since then I have called and emailed almost daily and have received zero response beyond form letters telling me that I " should receive a communication from your Specialist soon. '' I escalated to the manager, then to the AVP, and have still received zero response. 

The attached record of emails was preceded by many, many calls until I felt that it was necessary to begin documenting my contacts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: CA

Complaint narrative:
I did a auto loan way back in XXXX and then defaulted in XXXX and I gave them the Truck in XXXX via voluntary repossession. They stated that I owed them {$12000.00} Since then they first sold the instrument to XXXX then XXXX sold the debt to another. I have done Verification of Claim in accordance with the FDCPA now the debt instrument is with XXXX XXXX XXXX and this company has a collections department that has been harassing me threatening to sue me when I have no contract with them. I warned them about the XXXX XXXX XXXX act and they still will not heed. They will not give me there name or address to where I can dispute the debt instrument and my imaginary contract with them but they keep calling to see if they can get a joinder. I had to back trace this debt all the way from XXXX XXXX to XXXX finally finding XXXX XXXX XXXX. I need some help they have very dangerous tactics and it is getting to worry me. This Debt Collection Company does not respect laws that I here to protect consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 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: MD

Complaint narrative:
This account has been fraudulently opened in my name. I have tried disputing it multiple times. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sam 's credit card. Card is in both my name and my spouse. We have {$900.00} on current cash back balance as of statement closing date of XX/XX/2020. Regretfully my husband passed away on XX/XX/2020. The credit card is in both of our names ; same credit number with both our names. I called XXXX from my statement from Synchrony Bank on XX/XX/2020 to cancel my late husband 's card only his, so that no one else could use it. I was told by Synchrony Rep that my card would be cancelled too since we had the same number and to go to Sam 's in person to get a new number/card. He failed to tell me by doing this I would lose our cash bonus points that we accrued. Then on XX/XX/2020 I went to Sam 's Club store in XXXX XXXX, FL and speak to Supervisor to let her know that my husband passed away so I could obtain a new card issued to me so I would have a different credit card number. She then told me when she pulled up my account that Synchrony Bank took away our bonus money. She told to me to contact Synchrony Bank directly for which I did on XX/XX/2020. They told me the bonus $ was only in my husband 's name and I wasn't privy to it. I asked to speak to a supervisor and CSR told me they were all busy. This is terrible. I endure the loss of my husband and now Synchrony is keeping our money. We only opened and used this card for the bonus dollars. 99 % of the charges came from my personal shopping not my late husbands '.

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