vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: NV

Complaint narrative:
I contacted Portfolio Recovery to settle a debt with XXXX XXXX and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I got an e mail stating their was unusual activity on my account. My card had been used in ATM at the XXXX WA  XXXX, successfully draining my account of {$1000.00} in total. There were two withdraws of {$300.00} and two of {$200.00}. I immediately called and filed a claim with the Bank of America fraud department and a bit later went in to the bank and talked to one of the bankers about the situation. I was relieved to hear that they would put the money back into the account while they did an investigation. The woman at the bank assured me that there would be no issue or chance of my money not being reimbursed and the woman at the bank even went as far to tell me, " We don't even really investigate for fraud under {$5000.00} ''. I was shocked when I received a letter from Bank America yesterday stating that my case is closed and that their " records show the transaction activity in question was authorized and posted correctly to your account. When I spoke with a gentleman in the fraud department this morning I was told because the bank has no way of knowing how the their got my pin number they can not verify fraud. How am I suppose to know how a criminal got my pin number. I am so upset. You trust your financial institution to keep your money protected and they have not done anything to even try. I asked for copies of the documents that they relied on to make their decision and was told that there was none. Basically, they did absolute nothing and my family is out over {$100.00}. This is not acceptable. My husband and I were confident that if we ever had the misfortune of being victims of fraud our bank would protect us.

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 2020-03-05 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: AR

Complaint narrative:
I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX    XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$2200.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$24000.00} XXXX  XXXX {$870.00} XXXX XXXX {$830.00}

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX   XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX    XXXX {$140.00} XXXX XXXX {$2200.00} XXXX  XXXX {$2700.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$24000.00} XXXX XXXX {$870.00} XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
The that took over servicing my loan is NewRez. NewRez is a subsidiary of Shellpoint Mortgage and does not actually receipt payments directly. Payments mailed to NewRez them take up to 2 weeks to credit and then they add late charges and and send notices out. Customer Service is abysmal to non-existent as a supervisor will not speak to you directly, they must call you back. Due to the issues with their payment processing, despite them having been paid current on XX/XX/XXXX, they received a payment 32 days past the due date. This is two days past the 30 day payment deadline. Even so, they have just placed a late payment report on my credit yesterday. This seems vindictive and retaliatory as I complained about the amount of mail I was receiving a week ago on XXXX XX/XX/XXXX ) and they were paid in full on XX/XX/XXXX, over two weeks prior. 

I received over 4 letters ( one certified ) in the week of the XXXX. I called to verify they had received my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ). 

I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. 

I received my RLMS Mortgage Statement for XXXX and they added {$150.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the 7th floor of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. 

RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department. 

As of this date I did make ( 1 ) payment with the additional amount until I can resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) contacted acquaintances telling them I was being audited then when I called XXXX I was threatened with police action, they told me they know where I lived and what I drive and  confirmed that with announcing my address, make, model and registration of my car. 

When I asked to speak to a manger Miss XXXX at extension XXXX yelled and hung up. When I called back to talk to a manager Mr.XXXX XXXX at XXXX also refused to give me a name, yelled and hung up. 


It is frightening these people know so much and threaten people coming to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: GA

Complaint narrative:
I submitted a balance transfer to my XXXX card for {$20000.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the balance to transfer cash to me. They added several charges to XXXX, XXXX, etc. There were also foreign fees added by Barclays. A  payment of {$21000.00} made on XX/XX/XXXX. They payment was later reversed that resulted in high interest payment and other fees added by Barclays. I called XXXX XXXX on XX/XX/XXXX and they are investigating.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
initially sent a dispute letter XX/XX/2020, with a picture of id and social security side by side and a bill and got no response. Then I sent another letter XX/XX/2020 certified mail. again with a picture of id and social security side by side and a bill. there reply was they cant locate my account and asked me for the same information ( id, social security, bill ) That i already sent. This has been well over 60 days of my initial letters and feel as if I am being stalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not mine

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contacted XXXX XXXX to settle a debt with Capital One and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX   X2, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX  ; I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents.

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 2020-03-05 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: GreenSky, LLC
State: FL

Complaint narrative:
I was approached by a Home Depot representative in Home Depot.He offered me a special on AC cleaning for {$19.00}. My AC is 20 years old and I had to give up my AC service because of financial reasons so I accepted. The AC man came to clean the AC unit which I knew was in bad shape, he offered me a deal with NO INTEREST.Know I needed to replace the unit I accepted an appointment from a XXXX XXXX XXXX company who was working in conjunction with Home Depot. The unit was installed and inspected ... On XX/XX/XXXX I recieved a statement from GreenSky financing company who is the company XXXX XXXX had set up the financing with. There was a {$43.00} interest payment. I called XXXX and they said yes it was interest free but that was an " agragate '' payment which would be 1 % of the balance each month. That is more than interest would have been. When the salesmen was here and we were discussing the units, size and cost I made it clear I could not afford more than {$150.00} a month this added " agragate '' makes it almost 200.. I am XXXX on fixed income, my daughter had a XXXX XXXX with no insurance at the same time the economy tanked so I have no resources. This is a scam set up between Home Depot, XXXX  XXXX and Green Sky. I told them to fix the contract or come and get their equipment. I have not heard from any one so far. I would appreciate any help you can give me with this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AA Recovery Solutions, Inc.
State: AL

Complaint narrative:
I took out the loan in XXXX with XXXX to help take care of some bills. I was making payments on time, but realized that the payment amounts were getting higher and higher monthly, to the point that nearly half of my check was being used to pay the bill casing me to fall further behind and deeper in debt. I tried to make arrangements to pay half here and there to get caught up, but my efforts were found to be futile. I was advised off the record by a XXXX employee to stop payments, and close acct. They would then reach out to me in attempt to possibly make an arrangement that was fair. I was contacted, but was unable to reach a payment plan that was fair or reasonable with my salary. About six months ago, I was contacted by a company by the name of AA recovery services. I attempted to get a little background information on them by asking questions, but was meant with rude replies and threats of having my wages garnished. I was told that they could set up arrangements for {$1200.00} a month until amount was paid in full. The initial amount of the loan was {$2500.00}. Even after making several payments initially, that amount has ballooned to approx. {$3900.00}. Today, XX/XX/XXXX. I received a phone call at my job from AA Recovery Services informing me that I need to be at my address on Monday XX/XX/XXXX, to sign for legal documents. I have never received anything in writing regarding any legal matters via mail from said company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I have sent numerous requests ( letters/disputes ) to Harley Davidson Financial Services ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they report accurate information. I have also called them directly. 

The last payment ( which paid the balance off in full was received on XX/XX/XXXX. ( {$3600.00} ). 

Currently, on XXXX  and XXXX XXXX, the information is incorrect - XXXX states that the payment status is not more than two payments past due and XXXX. states that it is 30 days Past Due. 

The account should state that it is PAID and Closed and not " Past Due ''. The account was paid XX/XX/XXXX so the XXXX payment should also show that it was paid on time and no late for XX/XX/XXXX. 

XXXX, XXXX  and XXXX XXXX should also indicate that the account was paid off on XX/XX/XXXX and that the account was not LATE in XX/XX/XXXX ( and that point it was current, paid and closed ). Send this update to the credit report agencies within ten business days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I had bad service with XXXX  and they released me from my contract. I then sent back the device. They then billed me for the device. I then called to resolve and they acknowledged ( on 2 occasions ) that they did receive the device. They still continue to sell my information to debt collectors that routinely call me. No matter how many times I explain it they call back and are rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: KY

Complaint narrative:
i purchased furniture from XXXX XXXX. The loan amount was for {$3000.00}. I was never explained that American First Finance APR was 144.60 % As of XX/XX/XXXX, i have paid back {$4400.00}. I have called and asked for the disclosure and they did not provide me with it. I have called and complained numerously to the company. American First Finance refuse to help me, instead they kept withdrawing money out of my Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
Debt is unknown. I personally reached out to Georgia student finance and they told me my debt was with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX XXXX. I have already settled my debt with them. I have no idea who Georgia Student Finance is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian CFBP and Fair credit has fail to investigate my complaints when this organization was put in place to protect public and assist the public and is during nothing I am a paying member to Experian you reach any one on the phone nor have they investigated my complaint, but want me to renew my membership no way in in hell is the going to happen when they support the company 's wrong during

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