vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services
State: PA

Complaint narrative:
lendmark sold contract to this company the name of this company is called XXXX XXXX XXXX stating they were going to do a civil suit out against me with no legal documents I haven't receive anything since XXXX that's when the loan was taking out when I spoke to lendmark they didn't know had my contract and was trying to make me do the payment through them when I finally found the company they sold to when I look on my credit report the name was XXXX XXXX last report on credit report XX/XX/XXXX, dispute reason was the contract related to this account has been cancelled the results were deleted XXXX   has deled the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XXXX of XXXX, I fell behind one month in paying my mortgage. I called Huntington Bank in XX/XX/XXXX to see what my options were and I was offered a " hardship '' solution where the mortgage company would split the missed payment and add it to my subsequent 6 payments and no late fee would be assessed. I was told that the payments would be reported to the credit bureau 's accordingly ( not fully knowing what this meant ). I accepted the payment arrangement and made the payments that included the current months payment and a portion of the missed payment under the assumption that the payments would be reported as current for the month it was submitted. 

In XX/XX/XXXX, I wanted to start the process for refinancing the house and pulled my credit report. Huntington Bank reported the months I was in the payment plan as " late '', negatively impacting my credit reports. I filed a complaint with the bank, requesting a copy of the terms of the payment plan as to where I agreed to the adverse affects of the " hardship '' program and that the payments be updated to " current '' for the months that were submitted on time. 

On XX/XX/XXXX, Huntington completed its investigation and concluded that they do not have a terms agreement to share with customers that spells out the consequences of the hardship programs that they agree to, they deliberately DO NOT inform customers of the true negative reporting to the credit bureaus, and they will not be updating my credit report. The agent did think that it would be a great idea to provide a copy of the terms to customers as they enter these payment plans. 

I believe this practice to be absolutely misleading and dishonest by the lender, thus violating the Truth and Fair Lending and The Fair Credit Reporting Act. This practice is extremely harmful to the borrower as late payments are especially harmful to their credit profile, costing them more in interest rates as well as flat out denials. Also, although Huntington believes themselves to not be discriminatory, this practice is heavily inequitable to poor and lower-middle class families as poor credit history negatively affects their financial wellness than higher income families. By withholding pertinent information, especially the fact that they will report your account as late for however long you are in the " hardship '' program, they are causing more harm than help to the people who need the assistance the most. I am totally appalled that Huntington Bank, and any other financial institution, thinks these types of practices helps their customer. I will be refinancing with another institution and discouraging others from banking with Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I I attempted to make a payment arrangement with XXXX XXXX  XXXX XXXX / Comeity Bank. This was on the internet as well as over the phone. I asked the company to close my account and set up payment arrangements due to high fees and the companies removal of available credit resulting in the account appearing over the limit or maxed out. The company refused. The total due on the account currently is {$1200.00} and much of the balance is due to fees brought about by the removal of available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Never served me with a summons claim I would not sign, got several judgements because they did this many times and it went from a few XXXX to XXXX on a lie, has been investigated by XXXX  and found they were fraudulent and untrue, close their case, but Midland LLC will not stop and keep on with the and over 1000 of robocalls, I know because I know the robo caller

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST HORIZON BANK
State: PA

Complaint narrative:
I did a short sale on my house. I was due to pay {$15000.00} over 8 years ( beginning in XXXX of XXXX ) the additional debt owed on my mortgage {$35000.00} would be charged off and I would need to submit a 1099-c to IRS for the remaining balance of {$20000.00}. I have a document stating this that is signed as part of my short sale process. XXXX XXXX is claiming that they are collecting the entire balance of {$35000.00}. Also, I have asked repeatedly for a document that shows my payments and the remaining balance on the debt. They have have given me a doc once of the payments that I have made, that doc was given to me XX/XX/XXXX, they have refused to give me the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On or about XX/XX/2019 I notified : Transunion, XXXX, and XXXX  about fraudulent unauthorized accounts on my account via a dispute. Transunion and XXXX  did fix some of the errors. However, XXXX  did not remove any of the errors on my report. I went on to submit a second round of request in XX/XX/2019. Again, Transunion acknowledged the errors and removed some of the unauthorized accounts. However, XXXX  did not take any actions and all of the unauthorized accounts remained on my report. In XX/XX/2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : XX/XX/XXXX, Transunion, and XX/XX/XXXXleft the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by me.

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 2020-01-08 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-08 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, 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 explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
I have an Adjustable-Rate Mortgage on my home. My loan servicing was recently transferred 90 days ago from XXXX XXXX to XXXX. 

My rate and payment will experience its 3rd adjustment on XX/XX/2020. 

I called and asked them what I can expect XX/XX/2020 so I can prepare and budget accordingly, and they told me to wait. XXXX has failed to advise at this time as to what the new rate and payment will be. 

I am within 60 days of a payment change and they are unable to advise any information regarding this, which seems completely unacceptable.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Equifax regarding a " hard credit check '' that was listed on my Equifax credit report. Obviously a " hard credit check '' stays on the report for two years, is seen by everyone accessing the report, and can negatively impact a credit score and have other negative credit implications as well. The " hard credit check '' had been conducted by " XXXX XXXX XXXX, '' a car dealer. The credit check was never authorized under any conceivable circumstances. Thus, as indicated, I challenged the " hard credit check '' with Equifax on XX/XX/XXXX, as an " unauthorized '' credit check, a dispute category provided by Equifax, even though I had contemplated challenging it as " fraudulent, '' another choice given to consumers by Equifax with which to categorize a disputed inquiry. Within two days, on XX/XX/XXXX, and without Equifax even investigating the matter, Equifax informed me that " Inquiries are a factual record of file access '' and that I would have to take the matter up with XXXX XXXX XXXX  if I wanted the hard credit inquiry removed from my credit report. In fact, as an aside, I had done just that a month earlier and been told by General Manager XXXX XXXX ( XXXX ) of XXXX XXXX XXXX  that the inquiry would be removed by Finance Manager XXXX XXXX. Regardless, for Equifax to state that the unauthorized inquiry is a " factual record '' is obviously redundant and states the obvious. That is why the dispute was filed in the first place. Of course the inquiry " factually '' occurred. Equifax is not licensed to allow fraud to occur to consumers ' credit reports with the aid of Equifax and then sit back and say " Well, it factually occurred, sorry. '' So on XX/XX/XXXX, I filed a dispute again with Equifax, this time calling XXXX XXXX XXXX ' " hard credit check '' what it was, a " fraudulent '' credit check by a car dealer. This time Equifax took mere hours on XX/XX/XXXX, to once again inform me ( Confirmation # XXXX ) that " Inquiries are a factual record of file access '' and, once again, according to Equifax, Equifax could just stand on the sidelines and say, " Sorry, the world can see now for two years the fraud, also that we were an accessory to, also additionally after the fact, and there is nothing we will do about it. '' Equifax of course could have added, " You see, the XXXX XXXX XXXX of the world pay our bills, not you, and so we will defer, as a matter of course, to XXXX XXXX XXXX  in this matter and not rock the boat. You will have to rock the boat to address this fraud. In the meantime, we will continue to be an accessory-after-the-fact to the this fraud '' The item remains as " hard credit inquiry '' on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked a safari to XXXX and XXXX with XXXX XXXX XXXX, a longtime well regarded XXXX safari operator. In my email with them, they instructed me to send my payment of {$12000.00} to the following - Account Name - XXXX XXXX XXXX Account Number XXXX Branch XXXX XXXX Branch Code XXXX Bank Name XXXX XXXX Code XXXX On XX/XX/XXXX I went to JPMorgan Chase in XXXX, Illinos and completed the transfer. Chase Wire Tracking number of XXXX I received an email back from XXXX on XX/XX/2019 that my payment had been received in full. 
Today I received an email from the same email address saying that they had been trying to get ahold of me and that I should contact them as soon as possible at XXXX. The email was from XXXX XXXX, the Director. She asked if I had sent the money yet to their bank in XXXX. I responded that I had sent it to XXXX XXXX as instructed. She then responded that they have no bank accounts in XXXX XXXX, only in XXXX. She believed our emails had been compromised and instructed me to contact my bank as soon as possible. They never received the money. 
Now it appears I am out {$12000.00} with no safari. 
Help! I've asked Chase to try to contact the XXXX XXXX XXXX and get my money back. The email of XXXX is XXXX and their website is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: AZ

Complaint narrative:
XXXX/XXXX is reporting incorrectly to Experian a balance due of {$680.00} on the XXXX/XXXX partial account number XXXX. ( Please see account information attached. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times to reach XXXX to remove this account from my name however, I have not been successful. This incorrect reporting of an account with a balance due, that does not belong to me, is harming my credit score. This line item needs to be removed from my credit report. I have also contacted the bureau to remove this line item however, I was not successful in that endeavor either.

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 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX my husband and I received a call stating that we were late on our XXXX and XXXX mortgage payments. When I talked to a representative for the company they stated that since my husband had just completed his bankruptcy that we had to wait so that they could confirm all of the information and they would call us to let us know. However, before his bankruptcy was discharged on XX/XX/XXXX we had and have been on time with our mortgage for the last six months and I offered all of the confirmation numbers as well as all of the documentation from the bankruptcy courts stating that we owed our mortgage company {$0.00} however this month we received another phone call with the same statement and I have been transferred and hung up on with no help no solutions and no return calls. We are now at XXXX and they are stating that we are still behind when our XXXX payment was completed on XXXX. So I would like to file a complaint that they are trying to make us pay a payment that we do not owe as well as they will not allow us to talk to any department outside of collections. Pennymac is a HORRIBLE mortgage company and they have no clue what customer service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
did not receive statement from Statefarm credit card for over 6 months and had trouble on and off with their website for over 2 years ( login in ). I XXXX the balance on the card. Had a recurring payment I did not know about. As a result of getting no statements electronically via email or postal mail I was unaware of the {$50.00} balance. Henceforth I was 3 months late and only found out when I received a letter in the mail closing my account for delinquency. These late months were reported to all credit agencies and negatively affected my credit score impeding me from taking loans, doing credit card transfers and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
not sure how cybercrimes are handled but it's out of my paid grade but FTC and police reports satisfy my claims so if wells Fargo and XXXX XXXX knows more then them why haven't they caught the individuals or individual maybe Wells Fargo bank should read the laws on FDIC and insurANCE AND XXXX XXXX UNDERSTAND ON CREDIT LAWS THAT I HAVE SATISFY THE CLAIM BY LAW

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