vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank ( Headquarters : XXXX, CT ) offered its mortgage customers a 3-month Covid-19 deferment, and I applied and was accepted for it on XXXX, with the term beginning on XXXX. The written terms clearly state that " Negative credit reporting is suspended until the end of the deferral period [ XXXX ] ''. 

Yet they immediately reported to XXXX on XXXX that the account is delinquent after only 30 days. 

I emailed them 3 times and called them twice, but they have not resolved the matter. 

They admitted on the phone that my account is properly flagged as " Not Delinquent, Do not report to the credit bureaus '', yet their systems reported it as delinquent anyway, and they have not returned my subsequent calls or emails. 

I would not have entered their deferral program if negative credit reporting was not suspended. I relied upon their promise and clear language to the contrary. 

The impact to me is that my XXXX credit score fell instantly from XXXX ( Excellent ) to XXXX ( Good ) based upon their negative report. This has adversely impacted my job search, my access to new credit, etc. 

Their email responses are clearly just " passing the buck '' around and no one with authority or managerial expertise has contacted me or shown me a clear path to rectifying their incorrect report, as of today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments. 
During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments. 
As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture. 
CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
original loan amount XXXX outstanding principle XXXX XXXX   original loan amount XXXX outstanding principle XXXX XXXX LOAN DATES XXXX Company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have been a victim of identity theft someone took out a card in my name and is being reported fraudulently to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: IN

Complaint narrative:
I believe it was in XXXX of 2020 that my cable/internet service with XXXX XXXX was disabled due to a storm. I called and informed the company that my service was down. On Friday I was informed via voicemail that a repairman was coming to my house on Monday for the pending service call. He never showed up and I was without service for 2 weeks. Since no one showed up to fix my cable/internet I called and cancelled my service with XXXX XXXX. Then I contacted XXXX to have service installed. Each month since XXXX I have received a bill for service even though I canceled my service. Now I have received a letter of collectionsstating that if I don't pay the collections company ( Credit Control Corporation XXXX XXXX XXXX, Va ) a balance of {$110.00} that they will report it to the Credit Bureaus and damage my Credit Rating. I called today to talk to XXXX about the issue and the Collections Dept. operator named XXXX just gave me the phone number for Credit Control Corporation. She didn't even bother to discuss the issues with me about no service and no repair.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I left my banking information on paypal and my account was hacked, paypal doesnt have any trace of what happened and were very reluctant to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
For the past two months I have been Calling Sequim Asset Solutions to get my balance and they always state its at {$0.00} but when a credit bureau is asking them to report I have an open balance. I have called every other week to confirm this and their recorded calls have it all I have also asked for a letter to be sent to me proving that Im zeroed and they say its a 24 hr process that needs to be approved by a supervisor but I have nit received one and I've asked three times that way I can send it to the bureau with my dispute but still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Issues with ESCROW account - This loan was closed with no escrow by XXXX XXXX XXXX XXXX. This loan was immediately sold, with no escrow, to Select Portfolio Servicing Inc. My monthly payments are {$800.00}, I have been paying {$990.00} every month where {$190.00} should be going to principal. 
For whatever reason this mortgage company has this mortgage as 'with escrow ... ''. After months in XXXX of my trying working with them they agreed and said that they will credit my account. I continued making regular payments. Just now, XXXX XXXXI found out that this company has put my account back as 'with escrow ' and paid for my property insurance, while I'm paying my insurance and property taxes. I have tried again working with them since XX/XX/XXXX, I have made numeruos calls and in every call I spent about an hour on the phone, going through circle with too many clerks and supervisors, I sent numerous faxes and I am getting back piles of generic mail, 99 % not related to my issue except for two letters stating that they refuse to remove my escrow and the other is my new amount to pay ... including escrow ... .how come ...? My mortgage was fixed-rate ... 
My loan originator has tried contacting, by email, several higher level personnel - unfortunately, no response from anyone of them. 
I have exsausted every option and now. Ashtonished and desperate I am asking for your help. 
I would like to know, from the biginning, ( 1 ) how much I deserve in credit and how can I receive my money back, ( 2 ) how much went into my principal paying {$190.00} additional every month and ( 3 ) eliminating this escrow account once and for all. Suportive documents are available. This company handles another mortgage account on another property of ine and I would like to verify that numbers there are correct as well. Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NJ

Complaint narrative:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

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 2020-06-09 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:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: DE

Complaint narrative:
I made payments to XXXX XXXX commenity bank on : XXXX for {$30.00} XXXX for {$50.00} XXXX for {$30.00} None of these payments has been applied. I sent each payment through my XXXX XXXX XXXX. XXXX XXXX submitted a check on my behalf. All the checks were cashed but not applied to my account. I feel I that I was cheated out of {$110.00}. I filed a dispute with XXXX XXXX  XXXX about the monies being sent but not applied to my childrens place account. I received a case number XXXX for the XXXX dispute. 
I made an additional payment to XXXX XXXX for {$35.00} because the missed payments caused my account to be delinquent and to negatively impact my husbands credit.A supervisor  XXXX at XXXX XXXX XXXX XXXX took the payment of {$35.00} with a confirmation # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 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:
I HAVE BEEN a victim of identity theft and a card was falsely taken out in my name

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 2020-06-09 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: NJ

Complaint narrative:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a notification from XXXX that my credit score dropped due to a new collections account from National Credit Adjusters on XX/XX/XXXX. The debt shows as a new collections account but the alleged debt is from XXXX. I called National Credit Adjusters and they advised they reached out via phone several times. I have not received one phone call or voicemail from NCA. They also mailed a letter that would have allowed me to dispute this/get more information/settle to an address that I lived at 2 years ago. This was sent straight to collections and dropped my credit score 42 points without me having an opportunity to dispute/clarify. I called NCA the same day and they are not willing to delete this record while I have an opportunity to dispute and/or clarify the details of this collection account and potentially settle. NCA has shown no flexibility on this matter considering the information they used to reach me was clearly outdated and incorrect. This can easily be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hi, In the past I had placed my student loans on forbearance where they accrued interest for a long time. I was struggling and could not afford to pay and contacted Nelnet multiple times about options. They told me my sole only option was forbearance and to accrue interest. When I called them to switch to an income driven plan recently, I asked why they hadnt told me about that before and they said by law they didnt have to tell us all of our options until recent years. Nelnet then told me I should only do forbearance as a last resort and that its my worst option. I told them they were the ones who on numerous occasions told me that was the only option I was allowed to do. The Nelnet representative confirmed from her notes that they did in fact only tell me I could do forbearance in the past. I requested they remove all the interest I accrued and apply the income driven plan retroactively since their lie/error caused me to accrue thousands in interest when I couldve done an income driven plan while unemployed and paid a lower rate instead of going on Forbearance. She said they can not do that and that my only option now is to file complaints. She acknowledged on the phone and apologized for Nelnet lying about my options and forcing me into Forbearance but said she can not do anything. 

This is my complaint and I would like for the accrued interest during the period I was wrongfully advised I only qualified for a forbearance plan to be reversed. I do not believe I should have to pay this interest as I was mislead and specifically asked multiple times if I could pay a lower rate while unemployed and then while struggling in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I completed a transaction for {$260.00} for the Nevada DMV with my debit card. That day the transaction was posted on my account right away as pending. That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. This is the second time that they do this to me. 

When the bank system is updating the bank disappear transaction that were pending before and looks like the company canceled the transaction or something. 
This bank is always like that when system is updating, also I am unemployed and they do this to still money to the customers. But if this complaint does no fix the issue I will proceed with legal complaint in the court since I was informed that US Bank do updates in their system after XXXX XXXX but they never let the customers know or notify the customers in the mobile app.

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 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
I paid this account and was told by the Capital Accounts agent it would be deleted from my credit. It was deleted from XXXX  and XXXX, the agent told me they always deleted first, and that I may have to dispute it with XXXX. I thought it was very strange that this agent was giving such detailed credit advice, I thought they were not allowed to do that according to the FDCPA. I followed his strange advise and it was not removed from XXXX as promised. So I sent a dispute letter to the address that Capital Accounts reported to XXXX, and that dispute letter was returned. I feel totally defrauded, the advice that was given to me was incorrect, and the collector can not be reached to demand they hold their promise. They are not reporting 100 % factual information to the credit bureaus if they are not reporting an accurate address! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
I HAVE BEEN a victim of identity theft and a card was falsely taken out in my name

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