vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was closing the sale of my home and requested a loan payoff from Carrington Mortgage Services. Upon receiving a copy of the payoff I noticed a discrepancy on the amount of a FHA loan modification payoff from the amount listed on the original paperwork from FHA. Carrington Mortgage Services listed the amount as {$4400.00} and not {$3500.00} as stated on the FHA paperwork. I sent a letter to Carrington 's research department on 3 occasions XXXX, XXXX, XXXX asking for documentation to provide proof of the difference. I also included the original paperwork from FHA to show the difference. All 3 occasions I was sent the payoff request and no documentation showing where the difference came from. I started placing calls to Carrington in XXXX asking to speak to a Supervisor or Manager they stated I could not be transferred to a Supervisor or Manger. I then called again 2 days later finally getting a Supervisor who stated they would call me 3 days later, they never called. I called back on XX/XX/2020 and was told that paperwork was sent out with the documents I requested I waited but never received such documents. I called back 3 days and was told again I would not be able to speak to a Supervisor or Manager. I received another letter in XXXX stating they were still researching. On XX/XX/2020 I again placed another call to Carrington not being able to get a Supervisor or Manager but was told I would have to write another letter to the research department. I have requested numerous times documentation of the difference because they have been able to procure any documentation on the higher amount I am requesting a refund of {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
In XXXX of 2020 my children and I tested positive for XXXX. I missed quite a bit of work and needed money fast to cover bills. I unfortunately came across a website for Majestic Lake Financial. The interest was high but I was desperate and the appeal was I would have the money the next day. I borrowed {$1100.00} from them. They have been deducting payments bi weekly directly from my bank account since XXXX. I mentioned this to my boss and he did some research and found that this type of loan is illegal in the State of Indiana. Indiana has a cap on interest rates of 71 %. They are charging me 528.0063 % for 8 months. I have already paid them {$1500.00} to date. I am not looking to receive any money back. I borrowed the money and I am responsible for paying it back, however they're charging me 528.0063 % interest which I am seeing now is illegal. I have more than paid the loan back. I have paid the principal and well above the legal amount of interest. I am looking for some clarification of my rights in this matter. Thank you for your time.

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 2020-11-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed items with XXXX  and Experian on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.

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 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The following occurred On XX/XX/XXXX, my account balance went below {$100.00} On XX/XX/2020 I was charged {$15.00} for balance under {$100.00}. This is fine and I accept that. I then increased my balance to {$120.00} from XX/XX/XXXX onwards However, the {$15.00} maintenance fee on XX/XX/XXXX reduced my balance from {$100.00} to {$86.00} and triggered a different {$15.00} fee on XX/XX/XXXX. 

Thus the XXXX {$15.00} fee caused a second fee of {$15.00} in XXXX and in effect might be a violation of UDAAP or at the very least bad customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04 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: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
I checked my XXXX credit report and on XX/XX/2020 a creditor reported. XXXX charge and I researched the company as I didn't know the creditor and I have never received services from this creditor. I checked BB and looked at the complaints and many were in the same boat as me with the same amount of XXXX. Please assist. The creditor information as follows : XXXX XXXX XXXX XXXX XXXX Other {$550.00} Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 2 Years, 0 Months Credit Limit Not Reported Highest Balance {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020, I applied for a Amazon Prime Card, I read through the fine print of the disclosures to see who would be the issuing card bank before I applied. It said XXXX XXXX. I applied because Amazon Prime stated the card was issued by XXXX XXXX. I got a response from JP Morgan Chase Bank, denying my request for credit. I already have a card from XXXX XXXX, so I knew that I could easily get more credit through that bank. If anywhere on the terms and conditions listed JP Morgan Chase, I would never have consented to them making a hard inquiry on my credit because I already know that JP Morgan Chase has a high probability to deny credit. Futhermore, I did not have any hard inquiries on my credit report when I gave permission for XXXX XXXX ( so I thought ) to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Constantly calls my work for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL 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 2020-11-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disputed items with Tranunions and XXXX  on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.

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 2020-11-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL 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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On or around XX/XX/XXXX, I contacted Commonwealth Financial ServicesXXXX XXXX XXXX  in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, CFS states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX. 

Unfortunately a XXXX XXXX XXXX XXXX of XXXX TX under the license of Dr. XXXX XXXX upcoded a visit for a simple UTI ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX XXXX XXXX XXXX XXXX  XXXX. ) Mr. XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to CFS and XXXX XXXX XXXX that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX  ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that CFS had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
I have paid XXXX dollars, sometimes XXXX per month for over 2 years, never an issue. I recently contacted XXXX XXXX and was assured that due to the 2022 maturation date and my having 75 % of that amount paid, the XXXX was fine. Just last month they decided it wasnt. After the first argument, i told them not to contact me and have told them 3 consecutive times. They still call me 2 or 3 times a day. I recently had a XXXX and i have XXXX XXXX XXXX. They are trying to change the rules of my contract and then harassing me for their mis-understandings. Breaking the FDCPA rules and therefore my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This debt should not be reported on my credit, I believe since this debt is older then 7 years under FCRA should not be on my credit file please remove as soon as possible under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
i'm complaining about unfair portrayal of credit information on experian, XXXX, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.

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 2020-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I am beyond frustrated with the run around and lack of follow up from AES. I have been going back and forth with Customer Service Representatives from AES since the summer of XXXX when I was first made aware of the fraudulent activity on my student loan account. I have since then been in contact with them every 2-3 weeks following up on the status of the distribution of the checks that were fraudulently cashed by god knows who. I have provided all the documentation they request and then when I think progress is being made they ask for more documents or a Police Report? Seriously, you are requesting a Police Report when this incident occurred in XXXX? Why didn't they advise me of the needed police report back in XXXX when I first reported this to them. 

I feel as if they are giving me the runaround because their bank refuses to refund a clearly fraudulently cashed check. I have given them everything they need in order to determine which reimbursement checks were cashed by me and which weren't. I have submitted affidavits that have been legally notarized and nothing. 

I recently received 2 out of the 6 checks reimbursements. Today, XX/XX/XXXX I called to follow up on the pending 4 checks and they inform me that they are not showing any outstanding check distributions pending. 

I informed them that I have yet to cash the first two being that I want to ensure this matter is closed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: FL

Complaint narrative:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

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 2020-11-04 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Step 1 : What is this complaint about? XXXX Step 2 : What type of problem are you having? REPORTING on my credit negatively destroying my credit. 

Step 3 : What happened? XXXX bill put in my name without my consent. 

Step 4 : What company is this complaint about? XXXX Transworld System collection agency Step 5 : Who are the people involved? 
XXXX  and transworld system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was told to send in a Police Report because my identity had been stolen. once i sent it in they refused to take off the collection and said it was mine. this is during coivd 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 2020-11-04 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: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian issue with Fraudulent Scoring : From XXXX to XX/XX/XXXX, my credit score went from XXXX down to XXXX for NO REASON. It decreased 3 times. Haven't been late, paid off all credit cards etc .... 

I called them to see what was going on. The rep attempted to share what might be going on, which didn't make any since. There has been no negative activity on my account. 

Please contact Experian Credit Reporting Agency!!!!

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 2020-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation