vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised. 
I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I just recently pulled my credit report after purchasing new cars and came across a collections account from Consumer Credit Services on behalf of XXXX XXXX, of which I have never had any business with. I have filed a dispute with all 3 credit reporting agencies and they advise I file one with the FTC as well. There is also an address now showing on my account that the agencies confirmed are tied to this account which is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at this address or anywhere in the greater XXXX area. 

The CCS account is showing opened on XXXX, which is around the same time we purchased the cars and is now in collection for {$2400.00}. 

I have called CCS to notify them this is not my account as well and that I am filing a dispute on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.

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 2023-01-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is violating me as a consumer by re-aging a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
CNAC attempted to contact me regarding my brother XXXX XXXX 's debt on XX/XX/XXXX. They told me that he had a debt and that it was for a car before asking me for his current number, which they already have and have spoken to him multiple times in the past few months. It was illegal for them to contact me when they had his contact, and it was illegal for them to release details about his debt. I told them I did not authorize them to continue calling me and to remove my number, which they claimed they did. 

Nevertheless, I received a call from CNAC on XX/XX/XXXX, in which they again revealed illegal details about a debt to a third party and during which they threatened that they could call me as many times as they wanted and I could not deauthorize them for any reason. 

They then provided false statements to CFBP, lying to a federal agency about the very existence of the harrassing call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
For the past XXXX years, I have been a special education teacher in XXXX XXXX schools. My dates are as follows : XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to present at XXXX XXXX XXXX, XXXX, MI All schools are verifiable in the database. At all times I was a highly qualified special education teacher. 

They are denying me relief under the XXXX XXXX XXXX XXXX ( NOT PSLF ) because of XXXX and XX/XX/XXXX. I gave my last day as XX/XX/XXXX to spare my district from paying me for XXXX, which was an asynchronous day and no one would have shown up anyway. I also could have taken a paid sick day. Instead, I was honest and gave my last day as the XXXX so as to save my severely underfunded district money. 

I originally was going to start on XX/XX/XXXX in XXXX XXXX but they said I couldn't start until the XXXX because they only did new orientation via XXXX on Tuesdays. I was literally precluded from starting before then. 

Before I took ANY job, I always made sure it was in this database to qualify for forgiveness. I could have worked at a private school, a wealthy school, or gone back to practicing law ( previous profession ) but instead I relied in good faith on the XXXX XXXX XXXX XXXX. They are literally denying me my relief because of XXXX days. This is a slap in the face to all hard working teachers and the original drafters of this federal legislation. I welcome any help available. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CA

Complaint narrative:
My personal information was compromised will XXXX 

Now I just want to rectify the situation!

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I mailed my payment XX/XX/XXXX. My payment was due XX/XX/XXXX. 
Comenity/Torrid did not post my payment until XX/XX/XXXX. I have been assessed a {$30.00} late fee. 

I called the Customer service number to have it taken off my account. They could do a onetime curtesy and take it off my account. I told them that I mailed it in plenty of time before my due date. The agent told me that it was not their problem that the US Mail was backed up due to the Holiday. I said that was not my problem either since I had it mailed in time. To get the onetime curtesy, I would have to listen to their disclosure. I told them they could say it, but I would not AGREE to it since my check was mailed and post marked before it was due. They told me that they could not delete the charge unless I agreed to the terms. I said I would call back with the law. 

When I called back, I explain everything again. Again, they said they would do a onetime curtesy. When I told them about the Postmark Payment Act of 2014 and that my check was mailed before it was due. They said that it didn't matter, their company policy was when they receive the check. They also told me that I should mail my check out 14 days before the due date I didn't do that. I did mail it out 14 days before the due date and they took 22 days to post it. When I tried to explain it again, the agent hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX  a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12  months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX  and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I moved out of my apartment complex ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I received a Final Account Statement that stated I was owed {$95.00}. I received the {$95.00} by check in the mail. I contacted XXXX XXXX XXXX XXXX XXXX to confirm that I did not owe anything further. They confirmed. Fast forward to XX/XX/XXXX XXXX XXXX after my lease was over ) I was contacted by XXXXXXXX XXXX XXXX claiming that I owe them XXXX on behalf of XXXX XXXX at XXXX XXXX for unresolved payments. I received no notice in the mail/e-mail, until XXXX XXXX XXXX called . When I called and talked to the apartment complex they had no information on why these chargers would exist. The XXXX XXXX XXXX has not sent any notification and I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
In 2022 I received a message from a number I did not recognize. The caller claimed to be from Fifth Third Bank and wanted to discuss my account. I looked through my banking records and determined that payments were being sent as scheduled. I was unable to locate any mortgage statements and could not access my account online using my saved password. I was unable to reset my password through the website. I became concerned that I had become a victim of fraud and I called the number I had on record for Fifth Third Bank to inquire about the call and to request assistance resetting the password. I was on hold for quite some time and never reached a live agent. I attempted to call them a second time on a different day and waited on hold for a long time and was never able to reach an agent. Within the month I received a letter from Fifth Third Bank returning my mortgage payment with an explanation that I did not understand. I called the bank 3 additional times to get further clarification on the reason the check was returned and to reset my online password. Despite multiple attempts to contact the bank to speak to an individual to get clarification I was never able to get through to anyone. 

Subsequently, I received a notification from my credit monitoring service that Fifth Third Bank had reported a late payment. I again attempted to contact the bank and was unable to speak to anyone and while on hold had my call disconnected. 

I then initiated a complaint through the better business bureau. The bank replied and apologized for the long hold times but has refused to amend the credit report. I have attached 2 communications I received from the bank that have contributed to my confusion as it appears that payments were not 30 days late. 

Long hold times have made it impossible to reach a mortgage servicing agent. The reason for the discrepancy on my mortgage payments were not clear and despite multiple attempts to speak to an agent for help I was unable to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022, I was at a Kohls store in XXXX, AZ and shopping for XXXX. I went to the checkout lane and attempted to use my Kohls store card, but it wasn't working. I asked the cashier if they could look up my account number ( which they have been able to do before for me ) to get the coupon discount and she said she couldn't. She said if I hadn't used the card in a while it was likely closed. I asked if she could check. 

She said that she could run an application for me and it would check for open cards. I said I did not want another card and she assured me it would not open one without checking for an open card. I insisted that I didn't want a credit check or a new card- she again insisted that her " process '' would check to see the status of my current card. 

She had me answer questions on her kiosk in the lane. When the questions came up about my income and drivers license, I again stated that I did NOT want a new card. She was very confident that this process would not open a new card and that there " would be a screen come up first to find my data '' for my old card number. 

When the process was complete, a screen came up on her display that said I was " approved '' for a new card with a new limit. I told her that she opened a new card in my name without my permission and now I had 2 cards. Later that day, I confirmed that my first card was actually open. 

I then called to speak with a supervisor and informed them of all the details, and asked them to review their training with cashiers as I was extremely upset about a cashier lying in order to get kudos for securing a new credit application. I will also be calling to close my card now that I've received it in the mail and letting them know I've filed a formal complaint. 

I would like their practices for securing new applications reviewed. Later I learned that the exact same thing happened to my husband last holiday season and he had to call and cancel that card also. My daughter 's friend worked there during the holidays and stated that there is " significant pressure '' to open a certain amount of credit card applications. These actions are deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: SC

Complaint narrative:
Mercedes Benz Financial Services Fraud department placed a block on my account and restricting me or XXXX customer to take payments from me and removed my auto pay from my account. I called the fraud department and talk to XXXX and XXXX and they both stated I was not able to make payments to my account until its cleared from fraud. So I mailed payments to them and a week later XXXX account receivables sends them back and I call every single day to make a payment and customer services says it want let me apply any payments towards your account! Superviser from Customer Service also documented this account heavily that I was trying to pay but fraud had my account blocked and no one can make payments! So XXXX XX/XX/2023 I got a call from customer service with XXXX saying that the fraud department removed the block and now all payments are no allowed to me processed. so I made all payments and 3 payments ahead. but now they put a 30 day late of my credit file and I wasn't late and was told I wouldn't be responsible for payments until the fraud department releases the block. This is so wrong to block someones account and collect there money and then put a 30 day late on your report when they wouldn't take payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NH

Complaint narrative:
XXXX I received a letter from XXXX XXXX ( my mortgage company is Atlantic Bay XXXX stating I did not have hazard insurance. I pay my homeowner 's insurance via escrow. As you can see in my documentation, my insurance is listed as being due XX/XX/XXXX. Atlantic BayXXXX XXXX XXXX not pay the insurance until XX/XX/XXXX, despite multiple XXXX way calls with them, the insurance company ( XXXX ), and myself. While late, it was eventually paid, and I was under the impression all was back on track. 

Fast forward to XX/XX/XXXX. I receive a check from XXXX but don't know why. I did not cancel the insurance. 

XXXX I received a letter from XXXX XXXXXXXXAtlantic Bay XXXX XXXX XXXX insurance expired and I need to get new insurance, which I did the same day I received that letter. 

XXXX I receive another letter from XXXX XXXXAtlantic Bay stating I do not have insurance and need to purchase it. I try, unsuccessfully to get ahold of someone at XXXX XXXX to get this straightened out. Their automated system puts you in a virtual loop, never allowing you to talk to a person. I ended up calling the person who originated my loan with ( XXXX XXXX ) to try to get this resolved. He handed my case over to XXXX XXXX. 

In the end, it turns out that XXXX XXXXAtlantic Bay wanted me to purchase an expired insurance policy for the period covering XXXX. No where in any letter they sent me was I directed to purchase an expired insurance policy. 

In the end, they made me pay for an expired XXXX XXXX XXXX policy even though they failed to communicate with me that this is what they expected me to do.

Company response to consumer: Closed with explanation