vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
During Covid, we applied for Forbearance assistance from Loan Depot. We ended the Forbearance in XXXX and we chose the Deferral option which took into effect XXXX. We have made our first payment XX/XX/2021 for the amount of {$3700.00} which is the actual mortgage amount and that is when the payment was not applied to our Mortgage. When I called on XXXX XXXX to check, they mentioned there was an interest charge that is causing the account to suspense. When asked, they can not find the reason for the interest charge so they have processed a case to investigate the issue. After several calls and chat during the month of XX/XX/XXXX till XX/XX/XXXX amounting to 10 calls, I was told that the case is still open and that the account is still in suspense and will be resolved by end of XXXX. I made a payment on XXXX XXXX in the amount of {$3700.00}. I sent a fax and a letter via their messaging system as well as proof of payment on XX/XX/XXXX. A rep from Loan Depot replied and mentioned that the case was closed without any explanation but it will be reopened. A promise that a decision will be made within 3-4 business days and the funds will be applied. I called again on XXXX XXXX to check the status of the case and they mentioned again that it will resolve in 3-4 days. I then made another payment of {$3900.00} on XXXX XXXX which includes the negative escrow that accumulated during the forbearance period. Until now, the payment is still in suspense and none of my payments has gone back to my bank. They are holding my payments hostage and I am getting notice from the mail regarding foreclosures. This has caused tremendous stress and burned to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. XXXX recommended to submit complaint to CFPB to get resolved.

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 2021-10-21 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: CA

Complaint narrative:
Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. Equifax recommended to submit complaint to CFPB to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I was shopping on XXXX As I was going to check out, I received a pop-up message that I had been pre-approved for a Torrid credit card and if approved would received 40 % off my order. At the time, all the items in my cart were on sale for at least 40 % off. I decided to apply, but first continued shopping and added more sale items to my cart, including one item that was 35 % off. 

I applied and was approved for the card, and went to check out using the card information that was pre-populated into the field. 

I was surprised to get a new pop-up letting me know that the new card holder discount could not be applied to my purchase unless I removed the discounts from the individual items. My options were XXXX ) apply the 40 % of but remove the individual discounts or 2 ) keep the discounts on the individual items and forego the 40 % forever ( it very explicitly said it could not be used later ).

I re-read the initial terms and conditions and read that the new customer discount " Can not be combined with other offers. '' That's not inherently unfair but I take issue with these things : 1 ) " Offer '' does not equate - to me and likely to most other people - to " discounts on sale items. '' No mention of discounts or sale items was included in the footnote ( screenshot attached ).

2 ) All of the items in my cart when I received the pop-up telling me that I would save 40 % on my order if I applied for and used the card were on sale for at least 40 % off. 

I chose to keep the discounts on the sale items ( as to do otherwise would have not saved as much money ) and used a different credit card to make the purchase. 

Shortly thereafter, I called Comenity Bank. I explained the situation and requested that the account be closed, and the tradeline and inquiries be removed from my bureau file. The first agent I spoke with advised she couldn't do that because the application had already happened. The supervisor I spoke with advised that because I had applied for the account, he also could not do that. He told me that Comenity isn't reponsible for what XXXX puts on their website, hypothesized that everyone gets that pop-up ( I think in order to explain why I would have received it with sale items in my cart ), and apologized for any misleading information. He advised that I could file a credit bureau dispute and provided the address to which I could submit a written request. No phone or digital options were offered. 

This is not an acceptable resolution. I was deceived by the sequence of events ( cart full of sale items followed by a pop-up promising 40 % off for my in progress purchase ) and a " XXXX '' footnote that refers to " offers '' which are not reasonably equated to sale item discounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I hired XXXX  ( an heating and air company ) to inspect my two HVAC systems. The service charge was {$78.00} for the inspection. Their technician indicated that I also needed a new fan motor which was an additional {$500.00} charge. I never received the motor or service although I did follow up with this company to find out why. The last response that I received was that they were checking with their parts department, but I was never re-contacted. Based upon this failure, I contacted my Credit Card Issuer ( Well FARGO BANK ), and requested a dispute .be placed against this merchant for the {$500.00} charge. I further stated that the {$78.00} part of the charge was appropriate. I was told by the WFB employee that the charge was being put on hold pending resolution ( CC. # ending in XXXX ). 
I received my next billing statement in XXXX, XXXX indicating that the bank had switch the credited amount from {$500.00} to {$78.00}, and that I owed a balance of {$420.00}. After speaking with a manager in WF Credit Card Dept, I sent documentations to them ( ( dispute file # XXXX ). The manager stated that in any transaction, that only one disputed was allowed. He further indicated that XXXX  had not responded to their initial inquiry. In my letter to WFB 's CC Dept sent 0n XX/XX/XXXX, I included XXXX invoice ; the previous CC statement showing my withholding of {$500.00} ; and a copy of the charge showing a balance of $ XXXX also pointed out that their voice prompt indicates that calls to their department are recorded and a review will show that their employee mistakenly switch the disputed amount.. As of this date they are still showing a balance on my most recent statement. The Bank has not re-contacted me over the past month about this matter.

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 2021-10-21 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: ERC
State: PA

Complaint narrative:
On XX/XX/2020, ERC XXXX  added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ERC XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Lending Club Corp
State: PA

Complaint narrative:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LENDCLUB BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted an Employment Certification Form that documents my employment from XX/XX/XXXX through XX/XX/XXXX with the University of XXXX XXXX On XX/XX/XXXX I received a message that Fedloan received my PSLF Certification and Application and would take the time to review to make sure PSLF form is complete and confirm I meet the criteria.

Fast Forward to XX/XX/XXXX. I received a follow-up message from Fedloans that resulted in Fedloans NOT certifying my employment at the University of XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. That is a WRONG outcome. I wanted my employment to be certified for those dates. 

I am NOT asking for payments from those dates to be counted by Fedloans. But -- -- I am 100 % asking for Fedloans to CERTIFY and process that I worked for the University XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and that the University XXXX XXXX  is a QUALIFYING employer for XXXX. Again -- -- I AM NOT ASKING FEDLOAN to COUNT THOSE PAYMENTS -- -AM NOT. 

But, Fedloans should 100 % certify that my employer qualified for PSLF and certify the date range that I worked at that Qualifying Employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have told the company multiple times that this debt is not mine and it has been removed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CA

Complaint narrative:
I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over XXXX years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was served with court documents last year. I believe it was around XXXX of 2020. I was asked to respond by a certain date in which I did. When I got to City Hall, I was asked to write a respond and in the response I documented I was a victim of fraud. Midland Funding is the plaintiff. I did not hear anything else for over a year and was sent a not from an attorneys office saying my salary will be garnished for payment. The amount is {$1100.00}. After I said Im a victim of fraud and I have no idea where that account came from, theyre garnishing my check every two weeks in the amount of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
The company reported that I did not pay my payment in XX/XX/XXXX. Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today ( XX/XX/21 ) I checked the " Social Security activity '' option for my " Credit journey '' within my Chase bank account. I noticed that an individual I have never met had their name and addresses under my social security number. 

I read that this person had begun their activity under my SSN on XX/XX/21 and had address updates under my SSN on XX/XX/21. 

This is the only activity I have noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: HI

Complaint narrative:
I took this loan out of {$3000.00} when I was desperate and needed it to pay rent or be evicted. The interest rate was % 167. When I took the loan out I asked if I could pay off early with no penalty and was assured this would be the case. I paid the loan on time as agreed but when I called and asked to pay it off early they lied and did something shady but I cant quite figure what they did. I received a notice from the IRS stating they claimed a loss and that I owe the irs now {$600.00}. I never asked to settle the loan and was never 1099d. I just asked what the pay off amount was. I paid it off and now being charged again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Up until a week ago, I was informed of a {$240.00} balance under XXXX XXXX which has turned into a debt collection. I was never emailed, called, or spoken to directly by XXXX XXXX. I have not attended XXXX XXXX within the past three years nor did I sign up for a contract, it was a month-to-month cancel-free subscription which I canceled in 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
Greetings, It has come to my attention that I allegedly owe {$660.00} to Paramount Recovery Systems for a debt owed to XXXX XXXX XXXX XXXX updated XX/XX/XXXX on XXXX XXXX account. I have XXXX since atleast XX/XX/XXXX with RIN # XXXX. I started with XXXX XXXX XXXX and have been updated to XXXX XXXX. At this time, I am requesting that this be removed from my credit report immediately for it is illegal to charge the patient when I had coverage at the time. I presented my coverage information at the time of service. The issue is with the individual who was supposed to process my insurance payment on behalf of XXXX XXXX. The number to XXXX is XXXX. I petitioned this about 6 months ago and it was removed immediately by XXXX XXXX XXXX XXXX. I am lost about how it can be bought by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: MI

Complaint narrative:
Transunion sent a letter on XX/XX/XXXX File # XXXX stating they will not delete inquiries on Consumer report. Consumer has a police report on file since XXXX and Transunion has confirmed but will not acknowledge police report stating the inquires will remain on Consumer report for 2 years. 

Transunion continues to fail to acknowledge they are the furnishers and is not reporting accurate information from identity theft. 

Violations 15 USC 1692k {$1000.00} per violation

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a XXXX fraudulent account on my credit report. XXXX XXXX {$7400.00}

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I opened an account in Citibank on XX/XX/2021 and it was closed on XX/XX/2021 allegedly due to fraud. 

I talked to their customer service phone around XX/XX/XXXX so I could clear this out as I lost access to my account on their website and they said account received 2 checks that were fradulent one for XXXXUSD and the next for XXXXUSD and that was the reason for the closure. But if a check is not valid or fraud, why would they cash them in to my account or even accept them? It was pretty weird as the checks were completely legal. My partner 's brother send them from XXXX XXXX. 

We spoke to a brank manager on XXXX XXXX bank so we could get more info on the checks, to see if they were marked as stolen or something, but they told us the checks were completly fine. 

After knowing this, decided to give Citibank a new call. This time they told me that the incoming wire transfers from XXXX ( XXXX, their own company ) were also a red flag for their fraud department and the account was marked a fraudulent in general. This was ironic as I had made around 15 transfer to this account and didn't get any sort of warning or problem, at all. 

Made a third call. This time I spoke to a new person that told me that the Citibank fraud department may take up to 60 days for a final verdict and they had around 3 days left. The girl told me to make a new call later to check again on any updates and that I most likely could be getting my check for XXXXUSD any time now. Also confirmed that Citibank won't keep any of my money. This kind of gave me a sensation of relief as I might be getting the remaining balance on my account back as soon as possible. 

Called again 3 days later. This time a man told me they won't give me any of my money. He explained to me that when a bank account is marked as fraudulent, they retain the funds indefinitely but also didn't tell me what to do next. 

Tried calling once more just to double check on what I was told last time. But they told me the same. 

I went to citi to try to talk to someone about this matter, there I tried to open a business account but they never confirmed anything. There they told me that this can only be resolved by phone since it corresponds to their fraud department, they made calls to their supervisors but they only confirmed what they had already mentioned to me. 

I need my money back. The account was opened with all the requirements they asked, valid ID, valid US address and my SSN. 

I can give proof of the incoming money so you can check it is completely not fraudulent, as they claim.

Company response to consumer: Closed with monetary relief