vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened a Care Credit account after signing up for a {$3500.00} XXXX XXXX XXXX XXXX. The services that I was given were not helping and were not making my condition better, they were making the condition worse. Care Credit charged me {$3500.00}, even after I had canceled my appointments because it was worsening my condition. 

The services that I received were not satisfactory and not what I paid for. The doctor told me that 1 treatment per week would be {$80.00} which would include all machines, because I had 4 visits I offered to pay {$320.00}. I offered to pay for what I used, but the prices he is offering are grossly overcharged. The services I received could be purchased on XXXX, XXXX, or XXXX for much cheaper. Per CFPB XXXX ( c ) ( XXXX ) : " When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. '' I tried to assert my right not to pay for what I was overcharged and I asked the doctor to only charge {$320.00} for the four sessions. Doctor responded with an itemized list of what services were used, which were inflated prices. The doctor did say they would waive {$1500.00} that were used, but I would still owe {$1900.00} of services that were misrepresented and I did not use. 

I am asserting my right not to pay for services that were not satisfactorily resolved. I am withholding payment for the outstanding {$1900.00} that gave rise to this dispute. I am willing to pay the {$320.00} for the treatments and 2 nutrition shakes for {$100.00}, which are the services I received. 

Please email me for any documents needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't my 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 2023-10-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
21st Mortgage representatives continue to exhibit verbally and emotionally abusive behaviors toward me when calling in and attempting to make payments. 

Today, XX/XX/2023, I called in to make two payments by phone because I am unable to make online payments as they lock accounts out from making online payments when the account is past due any amount. I am due for XXXX and XXXX. 

I attempted to call on three separate occasions, today being the third, to make the payments and each time was told they needed a third payment, which only came due today. They proceeded to harass me over why I was past due including mocking me stating that maybe I should be able to afford my mortgage and be on time. They implied a refusal to take the two payments without a third followed by a refusal to continue with my mortgage. When pushed to clarify what was meant by " not continuing my mortgage '' they stated they " didn't say that. '' After telling me they could not take my payment without a third payment added to it, I asked them to restate that they were refusing to accept my payments. They claimed they were not saying that, yet still did not accept my payments. This tactic is similar to a XXXX XXXXXXXX tactic where the person is told something and then the perpetrator gaslights them claiming to have never said those things. It is a bullying and harassing tactic designed to push the person further toward default. 

I suggest looking into XXXX XXXX as well as 21st Mortgage for these patterns of default and resale as it is their business model. 

Please note that they are well aware that my income has decreased over the last 2 years, that I was impacted heavily by a COVID job loss, and that I am currently caring for a daughter with XXXX XXXX. Despite my transparency, they continue to verbally berate me and conduct themselves in a combative and abusive manner making it extremely difficult to manage my account and make payments. 

Their treatment continues to cause undue stress and XXXX XXXX. Please see a previous complaint # XXXX. This is clearly a pattern of behavior deemed acceptable by the organization and its leadership. 

Having to make payments by outside means adds to the financial burden. No mortgage servicer or company should ever be able to prevent someone from making their payments and as a result, cause such deeply damaging XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices. 

On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue. 
- 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken. 

Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment. 

Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I initially applied for an income driven plan when I graduated from medical school in XXXX of XXXX. At that time, my loan servicer was XXXX XXXX, they approved my application for an income driven repayment plan. In XXXX, I was transferred to Mohela for public service loan forgiveness and continued management of my loans. When I initially logged into the site, there was no indication that I had been switched to a standard repayment plan. Given that I was mandatorily transferred to Mohela for PSLF, and had only filled out government documentation indicative of this I assumed this would be correct. In XXXX when I noted my bill for {$1000.00} instead of the {$0.00} I had been previously quoted ( I did not have a job in medical school and did not yet qualify for recertification ), I immediately reapplied for income driven repayment through FAFSA which they then chose to process but refused to bill me for in XXXX. Currently, they're charging me {$1000.00} for a month of their standard repayment plan which I did not request instead of the {$200.00} IDR loan amount. They stated its because my prior servicer did not transfer over my payment plan ; however, they never made me aware of this issue. And quite frankly, I was transferred to them for PSLF so it does not make sense why I would be on a standard repayment plan which does not qualify. This seems like fraud and them taking advantage of an opportunity to make money on one bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/23. PHH responded asking for proof of homeowners insurance during the period of XXXX. Documents were uploaded again on XX/XX/23, received notification my documents were processed via email on XX/XX/23. I checked the PHH payment portal and still shows the incorrect amount due to the added escrow account, the monthly mortgage should be {$2100.00}, which is the monthly amount I have been paying for the last 35 monthly payments. Please fix and correct it before next month 's payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MD

Complaint narrative:
For the company to do what is Fair and Equitable to me as a consumer to stop harassing me. Especially since I do not know this company and why they are harassing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
During the pandemic, I paid about XXXX on my student loan. The whole time, my next payment due was XX/XX/2024 and the payment amount was XXXX because I am low income. Now that we are in repayment, I applied and was approved for the SAVE payment plan authorized through the federal website, www.studentaid.gov. 

Nelnet, my servicer, changed me out of the income driven repayment ( IDR ) program into a regular student loan program and wrote that I need to pay XXXX before approving the SAVE program. 

Now., I can't talk to Nelnet because the line is always busy. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I want to mantein my home, but the lender just prequalified me and no give me all oportunity for mantein the house., the said that want to help in all communications but when you call directly they only give you chance to prequalify and instead they give you un NO answer for loan modification and the only option is paid all debt, its obvious that i was struggling in my payments and ask for a forebarence plan how can i have {$35.00} in one month for pay all debt. 

We really want to take actions and now we are working and stable income to take this financial responsibility. 

We really appreciate your support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Fundo LLC
State: PA

Complaint narrative:
The loan balance they are looking for is incorrect!!! They are threatening to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt Amount XXXX Collection Company ( XXXX XXXX XXXX XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain XXXX bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of XXXX XXXX XXXX I am requesting for the original purchase agreement from XXXX XXXX XXXX, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$360000.00}.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX Balance : -XX/XX/XXXXBalance : - XXXX XXXX Balance : {$4100.00} XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXXXX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX :XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. 
The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. 
However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. 
The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. 
Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. 
Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. 
Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. 
Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the 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 non-monetary relief