vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MCM is garnishing my wages for a debt from XXXX and charging me {$1900.00} when the original debt was at the most {$500.00}. This amount isn't on my credit report and a judge never signed the order only a XXXX city clerk. They also took my Michigan tax return in XXXX and haven't taken it off this amount but keep adding interest and refusing to work with me to get a resolution. The judgment was from XXXX and they never notified me of any court proceeding as the address they claim I was sued at I didn't reside at at that period of time. They also claim they were unable to locate me but my address has been my parents for years on documents and they've owned their house since XXXX. I have also had other jobs and they didn't attempt to garnish yet they continue to compound interest daily and now are trying to collect at XXXX percent of my earnings making it impossible to pay my regular bills as I work as a cashier. According to state law my understanding is that this violates state law especially during Covid and I would like help getting this resolved. They have several bad reviews and a pending lawsuit for this same thing and won't do a reasonable payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2021, someone use my old address from about 10 years ago to open a bank account with Chase Bank. Chase called me to verify some information and I alerted them that I had not opened an account with their bank. The bank advised me that I had to file a report to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I had this vehicle voluntarily reposessed in 2019. I didn't end the Lease early. Also, the dealership, XXXX XXXX  XXXX XXXX, lied to me when they told me the second lease after the first leased vehicle was terminated and said it was a continuation of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?

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 2021-07-01 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:
see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: AFNI INC.
State: OK

Complaint narrative:
AFNI is refreshing an old debt, every time I dispute and it is removed from credit report. They will reappear on my credit report with a new date opened date on my reports. They will remove and delete and then keep reappearing with a new closed date. This account has been paid in full to XXXX 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a updated request on a dispute I filed with my credit bureau XXXX XXXX  XXXX in regards to a debt collection from XXXX. I attested that the debt was not correct and the information provided could not be verified due to multiple reasons. I have made several attempts to contact the debt collector entity ( ARS Acc Resolutions ) to provide more detail in regards to the case and unfortunately all attempts were unsuccessful. On XX/XX/XXXX XXXX has decided to closed the dispute and claims that the debt has been verified and accurate. As stated in the recommendations in the following of the dispute. I have made an additional two attempts to contact ARS solutions and on both attempts the representative disconnected the call and placed me on hold for the third attempt. I am completely unsure of how to get any additional information in regards to the status of this case and would just like any further information before submitting any payments.

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 2021-07-01 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: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I submitted a cease and desist letter to Southwest Credit Systems stating that I do not want them to contact me via the fair debt collection practices act. They have tried to contact me since then and they have submitted a collection on my credit bureau after they received the cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: UT

Complaint narrative:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Hi, I've been with Cash App since XXXX. They also have XXXX, a service that allows you save and grow your money. With this XXXX account, I can save money, grow money. I can also take money out of as account as needed. To do this though I had to verify myself on my XXXX account to access my money. It was easier to put the money in the account than it was to get out! Since XX/XX/XXXX, I have done EVERY VERIFICATION they ask for and they still would not let me access my money. I called CASH APP SUPPORT on XX/XX/XXXX, still as usual, they need more verfications. This time when I went through the verification process, they took all of my money from my XXXX account. They said they needed more verifications so I asked my aunt to help me with verifying me because they asked f there's someone else that can help with MORE VERIFICATIONS!! My aunt helps me out and they take her money as well. Now when I ask for my money back, I get we're sorry for the inconvenience and we will do our best to get your money back that shouldn't been taken from you in the first place, especially for our verification process. 
Instaed of giving me my money back, every since XX/XX/XXXX I've been calling, emailing, via twitter, and they are still giving me the run around. So much to the point that they said it's been over sixty days so now they can't help. Wait a minute, What help? 
I have never received any help from yet. Over 6 months and all they did was take from me and my family. My family member who they stole from tried to stop the payment rom going through y contacting the bank. She reported the incident to her bank, but they still managed to override the bank and take her anyway. They have never helped me at all. I just want my money back! I did not authorize any transactions for money to be taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XXXX XXXX in the state of Georgia, sold my home mortgage to PennyMac way in California without informing me until after it was already done. I didnt have a choice in the matter despite my objections. Now, PennyMac has increased my fixed rate mortgage from {$1100.00} to {$1300.00}. They claimed the reason for the increase was due to my insurance. However when I asked PennyMac what was the amount of my insurance previously versus now, there was only a {$7.00} ( XXXX dollar ) difference? PennyMac failed to properly explain how a {$7.00} dollar difference could result in over a {$120.00} dollar monthly increase. PennyMac claimed that they had to charge me more money in order for my escrow account not to be delinquent by over {$1000.00}. I asked them how would I be in the hole by over a thousand dollars for only a XXXX dollar increase? They couldnt explain it to me in a way that made any sense. Ive had my insurance to slightly increase in the past, but it didnt result in such a dramatic difference in the cost of my mortgage like it is with PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My wife tried to fix this with no success so I am going to try! My name is XXXX XXXX XXXX and I just closed on my loan XX/XX/XXXX. The entire closing process what a Disaster! I changed my loan amount on XX/XX/XXXX increased by {$3000.00}. I was told all was good loan would close XX/XX/XXXX as I received my CD on XX/XX/XXXX. Well it all went to XXXX from there! No closing Sat! Was given the run around about things I already addressed and then!!! The day before I needed to close because I was leaving out of town ( XX/XX/XXXX ) I was told the address on the appraisal was wrong and needed fixed!! They had this appraisal for 3 weeks at this point!!! Why was this not caught 3 weeks ago? Nevertheless after another day of XXXX a closure shows up at my house XXXX XXXX!!! On XX/XX/XXXX! I asked him for the CD with the new loan amount as o had been asking since XX/XX/XXXX and never got it! Well guess what! My cost to close increased from $ {$2700.00} to {$4300.00}!!! I was beyond shocked!!! My wife tried to get it fixed! No fix!! So here we are! My wife tried to get someone at the bank to evoking the charges and no one responded to her! We closed as my mental health could not take dragging this out! I looked at the second CD which I should had been given well before closing and noticed they have being taxes of {$660.00} That was paid by U.S. Bank onXXXX from the escrow account they manage!!! Why in the world did they pay them at closing? There response - if it is an over pay XXXX county will refund well not to us but back to the back in which we may never see the funds! I did not increase my loan amount for them to wrongfully use my cash out funds!!! I had every penny account for to payoff my debt! Because they never sent me a recused CD when the loan amount increased I never saw the cost to close from the first CD! The Other cost increased from {$1000.00} to XXXX!!! How!!! I am pretty sure there are tolerance issues here under the XXXX rule! Also note- no revised LE was issued when the loan amount increased XXXX issue??? This could had been fixed had they given me my CD before XXXX at closing!

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 2021-07-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a joint owned CD with my husband with navy federal credit union. He closed the CD without my knowledge and NFCU transferred these funds into his acct at NFCU of which I was not a joint owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am getting repeated calls from XXXX CBE Group trying to collect on a debt that I have disputed with XXXX XXXX XXXX when I canceled my account. 

The collector claims I owe {$340.00}, XXXX XXXX did not honor my {$150.00} credit to my account under NY court order. I returned the equipment to one of XXXX XXXX service center before the billing cycle for the remaining {$190.00} was due, yet they extended the cycle to include when I turned in the equipment. 

Repeatedly I tried to have this removed from my credit report as " Disputed '' but the bad debt keeps getting sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a new mortgage servicer - XXXX XXXX. They are unable to provide me a loan number so I can pay my mortgage and they keep telling me to call back. We are past my due date and my transfer date. 

I just want to pay! The reason I want to pay is obviously each payment lowers the principle amount therefore the interest that is accruing is less after each payment. However, now my principle is not being lowered as I can not pay so daily interest is higher! 

The last representative just hung up on me. I've spoken to many people. All reading from a script - no information about your loan is available. Please call back tomorrow or next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Huntington Bank reported a thirty day late when I was told it would not show up as a late pay. this was during covid stay at home orders, I was current prior and am current now on payments. I called Huntington and they assured me because I called they wouldn't report this late, not only did they not withhold their aggreement, they violated Public Law No : XXXX ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. 

I have sent them letters and they have yet to respond. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Letter was sent XX/XX/2021 to Equifax and XXXX on the violation of my consumer rights and consumer reputation by 5 third party collection agencies.

Company response to consumer: Closed with explanation