vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX I was sitting in my car when a random stranger pulls up in his car and ask me if Im able to cash a check for him through my ATM account he said he was locked out of his bank accounts. So I tried being a nice person and stupidly didnt think of a fake check scammers. I signed the check and deposited it and took {$800.00} out of my account and gave it to the man. Two days later I find out it was a fake check and I was scammed of {$800.00}, so I contacted Wells Fargo and filed a fraud claim I talked to a specialist and told him everything that happened he than gave me back the credit which I was scammed of and never once said it was provisional credit until further notice he said there was nothing to worry about and gave me back my {$800.00}. So just yesterday XX/XX/XXXX, I check my bank account and it says reverse credit of {$800.00} and now Im $ XXXX in my bank account without any notice, email, mail no phone call about it. Ive tried calling them seeing if my funds can be revered but all they say is theres nothing they can do since its atm fraud and the specialist says its not fraud so it falls on me when clearly it was fraud and scam and they just take away my money from my account and leave me bankrupt.

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 2021-02-13 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Military Star Card The Exchange XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a MILITARY STAR credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, Military Star Card has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, Military Star Card sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over XXXX points in XXXX, XXXX points in XXXX  and XXXX points in XXXX. What is being reported to all XXXX credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at myecp.com, it's reflecting the {$00.00} balance but Military Star still has not updated either of my 3 credit reports. XXXX, XXXX  and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have Military Star, myecp.com correct this and XXXX out the balance reflected in all 3 of my credit reports.

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 2021-02-13 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: NY

Complaint narrative:
Fraudulent 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 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been contacted multiple times in the last year by Synchtiny financial for a debt that has been in repayment through XXXX XXXX XXXX  since XXXX/2019. They agreed to the payment date and amount with the company, and will frequently change the day they want paid every few months and call me saying they haven't received payment. XXXX pulls on the same day every month and pays my creditors on the same day every month. They have never mailed me anything. I receive between 5 and 10 calls per day until I have to get forceful, get a reprieve for maybe 2 months, then this starts all over again.

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My husband lost his job due to the pandemic back in XX/XX/XXXX last year. I contacted Mr. Cooper on around XXXX or XXXX because I couldnt keep up with the payments. They offered me the option to apply for hardship due to Covid 19, but the way they offered it, deterred me because if I choose that option it meant I had to pay 3 months at once. Where was I going to get that money from? I asked for a loan modification or refinance. They worked with me on both, but because I wasnt making enough, I wasnt elegible to refinance. Really? Thats the point of refinancing, to have a lower monthly payment to be able to make the payments. Then they said I wasnt elegible to have my loan modified because I have to be at 80 % of my mortgage payment. Meaning I will have to pay about {$25000.00} to be at 80 %. To top it off, they wont let me make my property tax or home insurance payments on my own. Meaning they have rights over my own money that I dont have, they decide what I do with my own money and what I cant do with it. Mind you, I have been trying to solve this problem since XXXX or XXXX. I even told the guy, I wont be able to make the next month mortgage payment, I wont have any money, his answer, there was nothing they could do. And to make things worst yet, now they sent me a letter that because my escrow account will be short {$230.00} next year, because my property taxes and home mortgage went up, my monthly mortgage will go up from {$1200.00} to {$1200.00}. If I cant afford to pay my previous payments, how in the whole world they think I will be able to afford the new payment? We have been living out of credit cards all this time because unfortunately my husband hasntbeen able to find a job, and because he was working independently, he is not elegible for unemployment. We are in a really bad situation and I cant believe this lender with its predatory practices, is trying to profit from vulnerable customers, and in the middle of this horrible pandemic. Like if it is not stressful enough already. What is their end goal? To make people desperate enough to just give up and lose everything they have worked so hard for? Or to drive them crazy? There is something really wrong with this company, and they need to be stopped before they inflict further damage on people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian does not allow me to freeze my credit report on line. XXXX XXXX and XXXX  both had simple processes to accomplish this but Experian, which allowed me to open an account, only directs me to their service which charges {$19.00} a month to lock my account. Experian has a separate page to enter data to freeze my report for free but it either errors out ( example requires a pin of 5-10 digits, when entered, it says error must be 5-10 digits ) my other option was to applet them give me a code. When I chose this option they said they could not identify me and that I would have to mail considerable information via hard copy to them. This when I was logged in just fine 5 minutes earlier using the same information on the site where I would have to pay {$19.00} per month to freeze my credit. This company is clearly making something consumers are entitled, under the law, for free so hard to get that people will pay them {$19.00} instead. Given that the process at the other two companies is simple and free it is obvious that Experians intent is to channel the consumer into their fee for service on line tool! Devious and deceptive business practice.

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 2021-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
BARCLAYS BANK DELAWARE I contacted this company today with all my personal information. The company has no record of me with an account. WHY IS THIS ON MY CREDIT REPORT?? 

This suppose to be an credit card with an credit limit of XXXX. I have never had such a card. No money is owed, no balance,. 

It say Date Open : 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 explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I sent a 2 separate letters of requesting validation to : Account Resolution Services, XXXX. XXXX XXXX, XXXX, FL. ( XXXX ) XXXX about 3 collections debts showing up on my credit report. 

I asked them to please provide the following or remove the debts from by credit report : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They have not provided by with the information I requested and have not removed the collections from my credit report. 
They have just re-sent the same letter demanding I pay. They say in the letter that they have verified the the debt, but they don't give me the name or address of the so called original creditor.

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I WAS LATE ON MY MORTGAGE PAYMENT BECUASE IBECOME UNEMPLOYED THAT WAS XX/XX/2019 I WAS STRUGING WITH XXXX KIDS THAN PANDAMIC HAPPEN I DID CALL THE MORTGAGE COMPNY AND TOLD THEM I AM UNEMPLOYED i can not make payment they told me i could go on forbearance plan for 6 months i agreed so i check my credit report i saw negative info from my mortgage company i called them and they told me that i should be told by the person that called me the first time to put me on forbearance plan that it will show negative info on my credit report but she did not tell me that AT THE BEGAING THEY TOLD ME to bring the payments current than it will report to credit bureau i am not late i told them it is too late now please fix my credit so i sold my car to pay the payments and to bring the account to current i di pay and nothing happen i check the bureau again more negative info i called again they to me because it took me to pay around 1 month i have to catch up again i have no more money no income if i had the money i would not be on FORBEARNCE PLAN FOR XXXX SAKE they to me to write a letter to them i did NO RESULT PLEASE HELP ME IF I COULD FIX MY CREDIT I COLD REFINANCE THE HOUSE THE THE MORTGAGE PAYMENTS WOULD LESS

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 2021-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In total, {$26000.00} has been paid towards the total original principal private loan balance of {$43000.00}. That should leave {$16000.00} remaining on the principal balance. 

However, instead of the original balance decreasing by the {$26000.00} that has been paid towards it, Navient instead is reporting a balance of almost $ XXXX more than the original balance. More than half of the original total loan amount has been repaid, yet Navient is requesting an additional {$36000.00}. How can interest be an additional 84 % of the original balance despite payments being made? 

In other words, 61 % of the loan balance has already been paid yet, instead of showing 39 % due, Navient is currently requesting 122 % of the balance. 

Where only {$16000.00} total should be owed with regard to all private loans, Navient is stating that {$53000.00} is owed. 

How can more than the original balance be owed, when over $ XXXX has been paid towards it? This is unconscionable and usurious. 

Also, XXXX XXXX, Office of the Customer Advocate who has represented Navient in my on-going complaint, has refused to respond to requests for information and clarification. Fundamental questions regarding the status of the loans and loan agreement were submitted via email on XX/XX/2020 to Navient and Ms. XXXX ( Navient  ) refused to respond. I followed up almost two months, and she still did not respond. It has now been almost 7 months. 

Navient asserts that a co-signer can make changes to loan terms, but requires the permission of the primary borrower to do so however, they have continued to make numerous changes to the loan terms without the permission of the primary borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. XXXX are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in XXXX  40 points in Transunion and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. XXXX, Transunion and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.

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 2021-02-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as XXXX has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in Equifax, 40 points in XXXX and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. Equifax, XXXX  and XXXX all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.

Company response to consumer: Closed with explanation