vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit continues to call my phone number after my written statement to stop all calls. Midland Credit continues to call before XXXX, most recently at XXXX pst. 

It has been proven the numbers that have been calling me DO IN FACT BELONG to Midland Credit and they have continued to call when they stated to the Consumer Financial Protection Bureau they would only be contacting me by mail as well as discontinue calls before XXXX. They have NOT done as they stated they would. All documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
For a company that prides themselves on customer service, the service has been very sub-par. XXXX XXXX has been the only reliable employee throughout this entire process. I started my 2nd refinance with XXXX around XX/XX/2020. My file was handed off to 2 different loan officers, both who were not communicative and very hard to reach. The only reason that I learned that my file had changed to someone else is because of me calling to follow up. The amount of time its taken to move this process along has been unacceptable. I call and leave messages with the appropriate personnel and no returned phone calls. The straw that really broke the camels back is that after 5mos of this refinance process, I had a XXXX appointment with the notary and Loan Depot still has not sent them the final docs so therefore they were not able to fulfill the XXXX appointment time with me. I even took off from work to be home on time for the notary. This is inexcusable conduct, etitquette, and service from Loan Depot and I look forward to hearing how one can find that acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I made large payments to two of my XXXX XXXX XXXX. I paid off one of them and paid half of the balance of the other. As soon as I paid off the card or paid a large amount, they lowered my credit limit. I DO NOT need more credit ; however, them doing so has led to negative reporting on my credit report. XXXX indicated that they do NOT report to credit agencies but that Experian gathers the information and reports for them. If they do NOT report, how do the agencies such as Experian get my information? They said I may have been late on a payment during the last 48 months - 4 Years. When they lower my credit limit, they lower my credit score. This is the ONLY credit card company I have ever used that did this to me. Again, I do NOT want more credit, I want the negative reporting removed. My card ending XXXX has NO balance and has been paid off a number of times. I have paid MORE than the minimum payment on the card ending XXXX for a long time ; in fact, the last payment was {$6500.00}. This is unscrupulous and dishonest. Please see the attached letters where chase indicates that they did not report my cards as being delinquent. How else would it show up on a credit report, then?? The fact that XXXX can hurt people like this is wrong. NOT ONCE was I late or failed to pay a statement during Covid-19.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In early XXXX of XXXX, I applied for a XXXX credit card and was approved for approximately {$1200.00}. I charged on the card and paid the balance in full when the bill was received. A few months later, I received a letter from Synchrony Bank stating that based on my credit score my limit was reduced to {$250.00}. As a result of the decreased credit limit, my FICO and credit scores were negatively affected. Although I did make additional purchases from XXXX, I did not charge them to my XXXX XXXX. I knew it would decrease my credit score further because of the reduced limit. 

On XX/XX/XXXX, I received a notice from the Credit Bureau stating that Synchrony Bank has closed my account. Again, this negatively affected my credit and FICO scores. I called Synchrony and the representative I spoke with couldn't give me any information as to why the account was closed. He informed me a letter was mailed on XX/XX/XXXX and he read the letter to me. Consequently, it is the exact letter I received when my limit was reduced to {$250.00}. 

I have been working hard to get it at a good credit rating. Ironically, Synchrony closed an account due to a credit score they are responsible for lowering.

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 2021-03-31 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: TX

Complaint narrative:
There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.

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 2021-03-31 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have paid the debt and asked if they would remove the collection from my credit report. They told me that i would have to deal with it for 7 to 10 years and there was nothing they would do about it. I was polite and am trying desperately to buy a home and can not with this on my report. Its killing my credit which is already so hard to build. I didnt even know i still owed on the account. I thought it was automatically paid. The balance is now XXXX and still wont remove the collection

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 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
This company has called me several times over the last week during working hours. 

When I called them back and asked who they were as the caller ID was showing up as potential scam, the man on the phone cut me off, said POTENTIAL SCAM?!, interrupted me, explained I have a debt to pay and furthermore explained I must trust him and respect him. I do not know this man, I was not given written notice about debt, I was not given notice about my right to dispute the debt. 

I asked for proof of debt ownership and they responded that they will email me but I require written proof, as per law. 

Harassed me, caused emotional turmoil and hung up on me in a later phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Great American Finance Co
State: CA

Complaint narrative:
I opened an account with great American finance company XX/XX/2013. Under the contract if balance was paid within one year there would be no interest charged. I paid the the account in full on the last day of the yr term. I later received notice from the company that they did not process the payment until the following day, and stated that because of this the finance charges were added to the account balance. I have attempted to dispute these charges with the company and their response has been that they are unsure of why the payment was not posted on the day I submitted it, ( which would have resulted in no finance charges ) they attribute it to a system error, yet failed to fix the issue and zero out the account. This account should not be reported on my credit report as a negative account because I paid in full according to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We received a letter from a collection agency saying we could settle our credit card balance for a lesser amount. I received the notice on XX/XX/2020. It said they had to receive payment by XX/XX/2020 or the offer was void. I tried to call but was put on hold for over an hour and had to leave. I mailed a check on XX/XX/2020. It went through our account a few weeks later. Then, I received another bill from the credit card company showing the amount we paid as just a payment. I wrote on the bill what had happened and asked them to fix it. We never heard from either company but kept receiving bills. I called the credit card company. They said I had to fix it with the collection agency. I called them and was told they received the payment too late. This is unfair because their letter making the offer was dated on XX/XX/2020 with a deadline to receive payment by XX/XX/2020. Accounting for mail, it should have been longer. Also, we did attempt to pay by phone first without luck and then mailed the payment before the deadline. We don't control the mail service or when it would have been received.

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 2021-03-31 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
In XX/XX/XXXX, I purchased a one-year subscription for XXXX e-cards for {$5.00}. There was no indication in any of the content presented about a monthly subscription. In fact, in XXXX, I purchased the same e-card subscription for {$5.00}. As I completed the fields for paying for the subscription, I specifically indicated that I did not wish to be auto-billed for anything. I have the receipt that shows " Autobill. No '' Unfortunately, the company auto-billed my AMEX card on the XXXX of the month any way beginning in XX/XX/XXXX through XX/XX/XXXX. Because we are regular customers at XXXX stores, I didn't realize the monthly XXXX charges were by the E-card division, and therefore unauthorized, until XX/XX/XXXX. ( We go to XXXX stores multiple times a month because my daughter with special needs likes to buy balloons from XXXX. ) I attempted to get a refund through my credit card company, AMEX, and could only reverse the XX/XX/XXXX charge. XXXX e-card misrepresented that I gave authorization for the monthly fees and AMEX never requested documentation from me to prove otherwise. My attempts at obtaining a refund directly from the merchant were unsuccessful because, as they represented to AMEX, they felt that it was " understood '' that it was a $ 5 monthly subscription for e-card services, and this they state with no evidence of affirmative approval from me. AMEX says that my responses to their closure of my disputes were untimely ( they notified me by mail ). Of course, they did not factor in the COVID-19 pandemic and the notable slow-down of USPS resulting in longer mail delivery times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: MN

Complaint narrative:
I have an account in collection still that I paid off last year. I have disputed this account several times with Experian and they keep stating that the account is valid. 
Date recently disputed was XX/XX/2021. I submitted evidence as well with the dispute. I disputed with all three credit bureaus and the account was removed except for experian. The amount is for {$260.00}. I am also working a credit repair company who has been disputing this item as well with no results changing.

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 2021-03-31 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied fidelity rewards account and was denied and havent been able to find out why.. but my credit is excellent so I dint see why I wasnt approved..

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 2021-03-31 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: IN

Complaint narrative:
there are several names on my credit that i never went by and addresses that i never lived at. i contacted experian to correct and they refuse to remove any names or addressess. i am concern this is a product of identity theft.

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 2021-03-31 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: NY

Complaint narrative:
Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XXXX XX/XX/2021, I received the closing disclosure via email from XXXX. I reviewed the closing disclosure and it had a few discrepancies, based on the original loan terms that I signed back on XXXX XX/XX/2021. I immediately emailed XXXX for an explanation on the discrepancies and he has not returned my emails or calls. I also include his supervisor ( XXXX ) in the email and I havent heard from him either. The tentative closing date is set for XXXX XX/XX/2021 and I would like to get the closing statement fixed. Below are some of the discrepancies that I requested assistance from XXXX and XXXX : 1. The loan amount changed from {$440000.00} to {$440000.00}. 

2. Why do I have to finance {$7600.00}, the escrow? What happened with the credits of my current escrow?

3. The APR changed from 2.251 % to 2.259 %. 

Please see attached supporting documentation.

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX recd 2 emails from XXXX -2 transactions auto pay did not go thru. XXXX and other XXXX. On XX/XX/XXXX I contacted chase checking I lost my card. They indicated to me would close & resend new card. Did not tell me anything as I had to ask questions on how this works. I asked about ability to receive funds, auto pay was told it would go thru. occuring will go thru ... so why did 2 autopays with XXXX go thru on the XXXX? Funds are available and chase refused to put2 XXXX transactions. Clearly 10 items came in ent thru after XXXX also asked chase if they would contact me if someone uses the debit card after XX/XX/XXXX as they stated I could set up online as I did. I did not receive any warning of the 2 transactions coming in nor a statement indicating the 2 debits even came in & denied! Nothing. Keep in mind since the XXXX, clearly my statement shows 9 transactions came in and went thru. TWO were auto pay ( XXXX  ). came in on the XXXX and cleared. Today XXXX XXXX and XXXX refused to assist and refused to transfer me to a manager, asked for manager to call me-no one called. They had no right to deny XXXX transactions and never provided notice in writing or over phone of autopay not going thru/denie due to lost card. Refused to assist and treated unfairly.See stmt/ltr

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUSTERS On XX/XX/2021 I Had requested for validation on to a debt collection. Where the company responded to my CFPB case number XXXX XXXX. Where The Director of Nation Credit Adjuster, XXXX XXXX XXXX responded back and submitted a document through CFPB that NCA will investigate the debt and as the original debt to present they validation of contract, and other information that I have requested upon to see if the debt is genuine. 

During the NCA response letter it appears that NCA will continue to damage my credit score and keep trying to collect a debt that can not validate to me XXXX XXXX XXXX wanted more time to investigate but refused to delete the debt from the major credit bureaus where its is Law the FCRA is assigned to show Accuracy and transparent of the debt which NCA has failed to produce. 

XXXX XXXX, It is Law! That you immediately delete the debt from my credit report as per your statement that the company needs more time to investigation and reach out to the original contract. 

By Law You shouldnt have your company damaging my credit score for no reason and try to collect a debt without the proper documentations. Your violations the FCRA now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
The account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative XXXX, and She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
I recently purchased a house and i noticed a car loan from XXXX  on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.

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