vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: AR

Complaint narrative:
Account ending in XXXX XXXX XXXX ) is FRAUDULENT!!! REMOVE FROM ALL CREDIT FILES IMMEDIATELY! LAW ENFORCEMENT FILE ATTACHED.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Notwithstanding a number of disputes to the XXXX XXXX and XXXX consumer reporting agencies concerning an improperly reported Monterey Collections Services collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to Monterey. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Dear Sirs : On XX/XX/2020, I purchased several items on XXXX for the amount of {$73.00}, using my Synchronic Bank credit card # XXXX XXXX XXXX XXXX. Since the items never arrived, I filed a complaint with the Bank requesting a credit for the total amount paid to XXXX ( {$73.00} ). As of today, XX/XX/2020, Synchronic Bank has NOT credited my account for the items never received. In view of Synchronic Bank 's refusal to credit my account, I contacted XXXX to request a refund of my money. XXXX also refused, claiming that this credit should be made by Synchronic Bank. It is very abusive on part of Synchronic Bank and XXXX that as of today, I DO NOT HAVE THE ITEMS FOR WHICH I PAY IN GOOD FAITH NOR THE CORRESPONDING CREDIT ON MY CREDIT CARD.

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We entered into a forbearance agreement on our home mortgage with LoanCare, and recieved a written agreement dated XX/XX/XXXX. The forbearance was for 180 days, and says in the agreement it is effective XX/XX/XXXX and expires on XX/XX/XXXX. Per telephone conversations with representatives from LoanCare, we were instructed to request a deferment of these payments, so that they would be tacked onto the end of the loan, so that the entire balance due would not come due at the end of the forbearance period. We did so, and were told via telephone that this would not be a problem. However, contrary to what we agreed to on the telephone, when we received the written notice regarding the deferment, it was for only two months instead of three months. We started calling LoanCare as soon as we received this information, and they told us that this was not uncommon, and it would be corrected. We started making our mortgage agreements, as agreed, on XX/XX/XXXX. However, LoanCare applied the XXXX payment to the month of XXXX -- which should have been precluded due to our agreement. I have had roughly ten phone calls with LoanCare since that time, and their response is that " their loss mitigation team '' can not change the terms of the agreement. Please note that we have continued to make our mortgage payments on time per the terms of the written forbearance plan, but LoanCare is still applying the payments incorrectly.

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 2020-11-24 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: IL

Complaint narrative:
On XX/XX/2020 Experian and XXXX  said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my 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 2020-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I was a XX/XX/XXXX who was working towards PSLF from XX/XX/XXXX to XX/XX/XXXX. I left that job to take a job with the XXXX, as a federal employee in XX/XX/XXXX. 

FedLoan will not count my payment in XX/XX/XXXX ( despite being employed, on an income based repayment, and making that payment ) because on my payment due date, I had ended the XX/XX/XXXXjob and had not yet started my job XX/XX/XXXX 

I then asked if I had changed my due date to later in the month, if that payment would have counted. I was told it would have. But because I technically wasn't employed during the date of payment, the payment didn't count : even though for all but a few days in XXXX, I was employed and made a payment on an income based repayment plan. 

This was never explained to me prior. I was told there was no way to retroactively fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNE Services, Inc
State: VT

Complaint narrative:
The following is what I have been sent. I never took out this loan. I have told them this numerous times, to no avail. 

Loan Account Number : XXXX Amount Due : {$1200.00} Court action will be the consequence of your ignoring this letter Dear XXXX, We would like to inform you that we are sending this e-mail as notification regarding your payday loan account with United Cash Loans. We have tried everything to contact you, through the mail and phone calls but failed to get any response from your side. 

If full payment is not received by XX/XX/XXXX court action will be taken against you. If you allow this to happen you will incur court costs and you may forfeit your credit status because your name will be recorded by the major credit bureaus. This may hamper your credit rating. 

You are also being charged debt recovery costs and statutory the interest of 15 % above the reference rate ( fixed for the six month period within which date the invoices became overdue ) pursuant to the late payment legislation. 
To stop this from happening please pay in full now or contact us to put forward your proposals. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX United Cash Loans XXXX XXXX United Cash Loans | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Untimely response
Consumer complaint received 2020-11-24 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: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern, I recently was sent a pre approval link from discover I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my XXXX  score like crazy. I called Discover twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact XXXX so they can remove it. I than called XXXX  waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone discover ran my score through. In there own tape recorded conversations they had stated all I had to do was contact XXXX  and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of discover saying pre approved, the inquiry being place and the credit drop it created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX of XXXX wired payoff funds to Chase, XXXX and escrow disbursements to XXXX XXXX. On XX/XX/XXXX, XXXX paid off my XXXX and XXXX XXXX acknowledged receipt of tax payment. Chase also paid taxes around this date despite being in contact with XXXX XXXX which created an escrow advance, but they did not post payoff funds on the mortgage, claiming to have only received it on XXXX. On XX/XX/XXXX, Chase transferred my mortgage to XXXX XXXX. On XX/XX/XXXX XXXX paid off the mortgage and are now saying I owe them money for a short payoff. I've contacted XXXX XXXX, XXXX XXXX and both Chase and XXXX and am getting nowhere. I should have a refund, not a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank entered my Social Security number incorrectly when processing my application for a checking and savings account and their representatives had me send a W-9 form to correct the problem, first by fax, then by mail, and finally by email. They are now refusing to correct their records and are still listing my social security number on my checking and savings accounts with two digits reversed, instead of my correct social security number. I have called on numerous occasions over about two months and keep getting the runaround. One rep even disclosed to me the social security number and name of the person whos number was listed in error on my account. They now refused to honor a bonus offer on my account due to the fact that the number in error was tied to a person who already had a Citibank account. 

Many reps said they could fix this but it never gets done. This is a serious breach of security caused by Citibank. They had my correct SS number when they checked my Chexsystems credit report because the inquiry showed up on my report so I know they initially had the correct number. It is unconceivable that Citibank could let this happen.

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 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-11-24 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-11-24 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:
Notwithstanding a number of disputes to the XXXX, Experian and XXXX consumer reporting agencies concerning an improperly reported XXXX XXXX XXXX collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to XXXX. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.

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 2020-11-24 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Theres an account on my credit report from XXXX claiming I owe money for service I didnt/dont have. I didnt open any account, I called XXXX on XX/XX/2020 asking why did they access my credit report, I was told that someone tried to use my social security number for service in Utah. I informed them it wasnt me I live in XXXX and I wouldnt get a contract for phone service because I dont trust phone companies with their outrageous fees. Now all of a sudden I owe over {$5000.00} for something I dont/didnt have, and what company let 's a bill reach {$5000.00} before they decided to stop it. This is fraudulent on the companys part if a person miss a payment they usually cut the service off, they dont let it go to XXXX and then send it to collections. So no Im not responsible for whatever fraudulent charges that were accumulated while using my stolen information.

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 2020-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out a title loan in XXXX XX/XX/XXXX for {$4200.00} +/- I actually received {$3500.00} in my account. The rate was 120 % and apr same. Hi and I was planning to pay off quick. I made payments on XX/XX/XXXX {$430.00} ... yes a few days after I got the loan. Is that illegal? Another payment on XX/XX/XXXX in the amount of {$430.00} I was late next couple months but made payments of {$430.00} on XX/XX/XXXX. 

They state that on XX/XX/XXXX that I/ the loan accrual {$840.00} I made a payment same day of {$430.00} and they also billed me another {$430.00} of interest. Making it so that no progress while Im under the impression that Im actually paying towards the Intreat so it doesnt double but even while making the payment the pushed more interest - from the look of the file outta thin air. 


Then it shows that they billed me again in that same month and I was late. Idk how Im making payments per month and theyre saying I accrual of intreat is 200 %. 

At this point while I loss my job which was the reason I took out the loan.. I missed payments XX/XX/XXXX and setup payment plan and made {$50.00} payment on XX/XX/XXXX and they gave me an extension on next payments. 

I missed payments XX/XX/XXXX and XX/XX/XXXX then they charged me accrual interest of {$1200.00} on XX/XX/XXXX. Im actually confused by looking at their pdf they sent me with my payment history so this is why Im reaching out. You will see that even tho Im making payments theres intreat accruing ontop of my payments and for the last 7 months you can see on pdf that after each payment they put intreat ontop then charge taht to my account after I pay. Im stuck I want to payoff this loan but want my fair payoff and not tacked on intreat fees. There is no clear outlined of principle payments vs interest payments. In the pdf you can see intreat being changed and added but principal balance never changes.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 XXXX and TransUnion said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my 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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation