vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: Diverse Funding Associates LLC
State: CA

Complaint narrative:
In XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XXXX  - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

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 2021-03-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount Portfolio Recovery {$490.00} XXXX XXXX {$690.0XX/XX/XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XX/XX/XXXX - XXXXXX/XX/XXXX{$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Due to the recent Pandemic our world has faced, I had to be placed on a financial hardship program with XXXX Bank Credit Card. My payments are due on the XXXX of each month, however I am unable to use their mobile app to process these payments due to being on the financial hardship program. When I contact the XXXX provided no one answers and there is no way to get in contact with an automated payment system. Due to this issue I have been experiencing late fees and also this is hitting my credit score. I'm on hold with customer service for hours just to make a payment and not able to get ahold of anyone. This is unjust and is hurting me when I'm doing everything to make the payment. Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I paid high rate on line of credit Wells Fargo never told me that all payments were interest only when it come time to payoff the account they charged extra this is just wrong when I contacted corporate they still denied a refund

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 2021-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
i financed a XXXX honda XXXX on XX/XX/XXXX payments was XXXX a month. i was on XXXX  and had gotten very sick loss my job and couldnt work told honda about problem they worked with me at first paying XXXX every month then they said they need the back due in XXXX. i was in hospital XX/XX/XXXX to XX/XX/XXXX wasnt able to answer phone no one could help me with sitation when car was repoed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX a debt collection for XXXX XXXX XXXX was removed from my credit report. However, the same debt reappeared on my credit report on XX/XX/XXXX and effected my credit score in a negative way. I never received a reinsertion letter from Equifax. I have proof of the debt being removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Paypal Holdings, Inc
State: ME

Complaint narrative:
In XXXX I purchased a Cricut maker with my PayPal XXXX XXXX card linked to my PayPal account for {$91.00}. What arrived in XXXX was a cheap pair of sunglasses. I tried to contact the company but their website was gone and their email bounced back. I contacted PayPal on XX/XX/XXXX and was told that this case would be resolved in 90 days. I was contacted in XXXX for clarification about whether I had spoken to the company who sold me this. I answered immediately. I was then told that the company had until XX/XX/XXXX to reply to PayPal. On XX/XX/XXXX I contacted PayPal and after much discussion was promised that the money would be in my account by the end of the day. I called back on XX/XX/XXXX. They said the money would be in my account by XX/XX/XXXX. I called today and they say it will be there tomorrow. I want my {$91.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: SC

Complaint narrative:
XXXX XXXX Bank has discontinued its credit card services. I hadn't used their card because of terrible customer service and their new points system. In XXXX they announced a new USBank credit rewards card. Upon acceptance, XXXX XXXX discontinued all credit services and passed their customer to USBank. I got my USBank card and immediately used it to pay my cell phone bill. I messaged XXXX XXXX to ask them to close the old XXXX account so 2 credit lines would not show on my credit report. I called USBank to make sure my credit was secured and their customer service assured me I had nothing to worry about. A day or two later, I tried using my USBank card at a retailer and the card was declined. XXXX XXXX asked USBank to close my credit despite the fact that was not what I asked. 
I called USBank and they could not explain why my account was deactivated despite the customer service notes showing I wished to use the USBank credit. USBank told me it would take 18 days to try to reactivate the account. I asked how I was supposed to know when I could use the card and they could not give an answer. Both XXXX XXXX and USBank have terrible customer service. All this transpired the last week in XXXX and first week inXX/XX/XXXX. I have an excellent credit rating so I fail to see why this would accur. I have no documentation from US Bank and only a closure letter from XXXX XXXX.

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 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I'm getting repeat calls from a XXXX XXXX and now a XXXX XXXX claims that my XXXX XXXX XXXX has a vehicle loan in XXXX from XXXX My XXXX  has lived in Alabama since XX/XX/XXXX, and has no reason to go get a loan of any kind from XXXX Everything we own is in my name, my XXXX  has NO loans of any kind in his name. The first time they left a message back in XXXX I called them back they told me that he could pay over {$3000.00}, he stated we would get paperwork in the mail, paperwork has never came in. XXXX XX/XX/XXXX, I get another voice mail from a XXXX XXXX. Claim they have been hired to file a civil suit. I called my XXXX  told him to call them this time. He called, now they say he can settle for {$700.00}. The first call said the loan was with a XXXX XXXX, now they say it is Chase. My XXXX  told them to send paperwork, because we don't have no such loan. Each message tells us to call back at numbers XXXX or XXXX. What can we done to get these calls stopped. Thanks XXXX XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I received a bill from Transworld Systems Inc of XXXX OH saying that they were collecting on an unpaid bill, supposedly owed to XXXX XXXX XXXX. 
I have never owed money to XXXX, and my credit report shows that there is no outstanding balance to any company. 

Next to the bill 's amount XXXX {$240.00} XXXX is the line " File # XXXX '' Again, I do not owe this money and I am not willing to sit on a phone for an hour trying to iron the problem out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/21 I called Portfolio Recovery Associates at XXXX as advised on their website to negotiate a settlement amount for a one time payment. I owe {$580.00}. The representative advised she was recording the call. I offered to make a one time payment of {$300.00} to settle and close the account. The representative accepted the offer. I then gave her my bank routing number and account number. She could not get the transaction to go through and asked me to repeat my banking information several times, which I did over the course of the 18 minute conversation. There is nothing wrong with my bank account so this is an error on her end. She eventually hung up on me. I called the same number back immediately and explained what happened. The new representative I spoke with said there was no record of the call or notes in the account about a {$300.00} settlement offer. She said they wouldn't have been able to offer me such a low amount anyways. She claimed there is no way for a representative to delete a call log. I am extremely concerned that I gave my banking information to one of their representatives repeatedly and they have no record of an 18 minute phone call.

Attached to this complaint is a screenshot from my cell phone showing the original call at XXXX on XX/XX/21 for 18 minutes, and then the 2nd call at XXXX on XX/XX/21 for 22 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing bought our new townhouse condominium mortgage in XXXX, DE in late XXXX and claimed they could not verify our insurance status, threatening to purchase it for us. I called them and they found the document which they had misplaced. In XXXX we changed insurance companies and they started the process again. This time they wanted our condominium association 's coverage on the building ( not my HO6 ) but they never clarified that over several exchanges ; the information was provided to them when clarified. Insurance was ALWAYS in good standing. In a follow up letter dated XX/XX/XXXX they verified my insurance status but noted that I had not been under LENDER ASSISTED STATUS since XX/XX/XXXX ; attached was a statement that their letter was coming from " debt collector. '' I sent them a certified letter dated XX/XX/XXXX reminding them of their error in XXXX and asking about the implications of their status as a debt collector. They sent me a written reply dated XX/XX/XXXX saying I had mailed my certified letter to the wrong office for complaints and asking me to resend it. As they could have more easily forwarded my letter, their response is clearly contemptuous and their behavior is in bad faith. I want them to correct their records from XXXX and to explain their role as a " debt collector '' in reference to my account. Finally, I wish to note the extraordinary difficulty in calling this company as virtually all their lines are fully automated and their " customer service '' line had a three hour call back time when I tried it.

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 2021-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN XXXX XXXXt I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I contacted Planet Home Lending on XX/XX/2020 to discuss a forbearance. I was told that I did qualify for a XXXX forbearance under the CARES act and to follow up in XXXX. They said they would also send a letter about the forbearance which they never did. When I called back in XXXX, they said that my mortgage was sold. In the meantime, when I again called and asked why they were reporting my mortgage as past due to the credit reporting agencies they said because that is how they report it. Again, I requested the letter regarding my forbearance as well as my taxes for 2020, both of which I still have not received. 

Today, I called my new lender who claims to have no knowledge of my request for forbearance to Planet Home Lending. They have been wrongfully reporting this to the credit agencies for months now when I was told I qualified on XXXX/XXXX/202 and there was nothing further for me to do. 

I can not get any further information from the company or my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This is the second complaint. The original complaint detailed how I lost my job due to COVID and had to move away from the health club. I sent both calls and emails to the health club informing them I moved away and I was seeking to cancel my contract with them. The earliest email I have was on XXXX XXXX, 2020. The debt collection agency claimed that I only cancelled in XX/XX/2020, but see the email attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
XX/XX/XXXXActually I'm just trying to contact a debt collection agency via email. Commonwealth Financial sent me a link to get on their site to make a payment. However, the password they said I had to use was a 5 digit zip code. I entered the zip code several times and was told it was incorrect. 
I called the XXXX XXXX XXXX per the instructions on the email. The representative who answered said she didn't know anything about a link. I kept explaining to her the email that was sent to me. I don't handle payments over the phone, especially with representatives who are not educated to what their company does for the consumers who are trying to pay a debt. It takes them forever to get back to my inquiries submitted online, in essence, they don't work with you at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: ME

Complaint narrative:
I took out the loan last summer and after multiple missed payments ( their fault ) I decided to pay off the loan and get my credit reserve returned to me. I paid off my loan XX/XX/2021 and was notified I would receive my money by XXXX. That date came and went and still nothing. I contacted support several times and was given the run around every single time. Finally a rep told me that the issue was that my account on file was closed and thats why there was a delay. No one from the company notified me of the issue. I was told in order to receive my money, I would have to open an additional account with them. I did that and was told it would be XXXX calendar days. Its been XXXX weeks since I paid off my loan and Im still without my money. Every phone conversation has been recorded by the company and the rep I spoke to today confirmed that everything I told her was in my account notes. I was told today that the rep has escalated the issue to their special team and I should have my money soon. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, we applied for re-finance our home. Got 2.75 rate with {$1500.00} point. 
Now they want us to pay {$11000.00} instead of {$1500.00}. They are not complying their GFE ( Good Faith Estimate ). They claim we did not lock the rate. when I showed several email to our loan officer XXXX to lock our rate he replied we are good we do not need to lock the rate. As soon as, we provided them the proof, their XXXX XXXX said XXXX policy " does not allow customer to lock rate. 
We are ready to close but they want us to pay extra {$11000.00} which is not according to original GFE.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, I bought a brand new XXXX XXXX XXXX XXXX bike in California from a dealership. I financed XXXX of the dirt bike through their loan company. XXXX XXXX. XXXX XXXX did not require any insurance on the dirt bike for the loan because it is an off highway vehicle only. 

Sometime during XXXX of XXXX XXXX XXXX went out of business and Fifth Third Bank took over the loan. I was unaware of this and did not receive any mail, email, or phone calls. They collected my auto payments. When Fifth Third bank took over the loan they immediately added forced insurance on the loan. I have been contacting them multiple times and get different answers every time. They won't tell me when the added the insurance, and give me answers like " maybe, most likely, I think. '' My Balance is incorrect and I would have been willing to add my own insurance if I was given the option. 

I have tried to work this out with Fifth Third bank but get a different person every time who contradicts the previous person. I am not allowed to see any of this information online. I was told by a supervisor that if I got my own insurance and called back that they would remove their forced insurance. I immediately got my own insurance. I was then called back by a different person and told this was false information. 

Please hep, I would just like the balance corrected, the payments corrected and my own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Penn Credit Corporation
State: SC

Complaint narrative:
XXXX credit corporation is reporting a fraudulent charge for collections on my credit from city of XXXX about from 7 years ago. This account was closed when I graduated college but since 2015 they have been reporting that I owe XXXX from about a year after I left the whole state.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation