vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Here are the facts Received {$17000.00} on XXXX XXXX, 2020 to Discover Bank Should have received XXXX USD Wire Info sent from XXXX XXXX XXXX 2020 XXXX XXXX Close XX/XX/2020 : XXXX CAD = XXXX USD Discover Bank disclosed NO FEES for an international wire transfer. As a consumer I called Discover Bank on XXXX XXXX so I could make an informed decision. I already had XXXX XXXX I could have sent the wire that confirmed with my family member NO FEES, NO SPREAD, NOTHING. My family member received the same wire transfer to XXXX XXXX with NO FEES whatsoever. 

XXXX XXXX Discover Bank Rep. very clearly told me Discover Bank charged no fees for receiving an international wire transfer. This same rep also informed me very clearly that the XXXX XXXX XXXX XXXX XXXX charged no fees ( being the 3rd party ). XXXX XXXX XXXX XXXX XXXX  XXXX would be doing the exchange to USD. The Discover Bank Rep very clearly told me there would be no spread and no fees. The Discover Bank Rep very clearly told me I would get the exchange rate at close of business the day the wire is sent. 

Discover Bank has participated in unfair and deceptive business practices by not disclosing the fees associated with an international wire transfer so myself ( the consumer ) could make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The Javitch Block main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service  came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with XXXX visa credit card. 
That is why I writing again on this company Javitch Block because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from Javitch Block. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what XXXX has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from Javitch Block on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. 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 2020-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.

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 2020-02-04 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: NY

Complaint narrative:
The accounts and inquires are not my items

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I have received phone calls from GC Services about a debt that is not mine but is a family member 's attempting to have me contact that family member regarding the debt. They acknowledged in the first call that the debt they are seeking to discuss is not my own.

They have called several times now, even after I have asked them not to and are leaving ominous messages which include things like my full legal name and asking me to call back individuals who I can not get a hold of. When I called back at the number they left and asked to speak to the person who called I got transferred to silence until I finally hung up. I called back a second time to request one of the three individuals who called to ask again to not be contacted and, although I could hear a sound as though my call was answered, no one responded to me as I spoke.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to TransUnion during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from TransUnion is hindering my efforts. I am trying to better myself and get a better job but TransUnion will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to TransUnion below.

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 2020-02-04 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: NY

Complaint narrative:
The accounts and inquires are not my items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ

Complaint narrative:
I have multiple inquires from CARFINANCE.COM that I do not recognize and I would like for those to be removed from my credit report please. 
Here are the dates. 

XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM

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 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan administrator, LoanCare NMLS # XXXX, is charging on a One-Time Draft Fee Schedule based upon timeliness of reception of monthly payments. Per the Loan Agreement that I signed upon the closing of my home, I am allotted a 15-day period following the due date to remit payment to the loan holder without penalty. There is no stipulation as to whether the loan holder can charge me fees based on how I remit payment ( whether that be one-time, or auto-drafted ). 

The fee schedule is as follows : On or before due date - No Fee 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} I was not given an option to agree to this schedule when LoanCare purchased my Mortgage from XXXX XXXX XXXX , XXXX, NMLS # XXXX in Fall of 2019.

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
This company keeps checking my credit with a hard inquiry when I have not authorized them or gave them any kind of consent to check my credit. The hard inquiries drop my credit score every time they check it. The company is : Love Beal & Nixon XXXX XXXX XXXX. 
XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX They checked my credit on XX/XX/XXXX and again on XX/XX/XXXX. This is illegal and as a consumer, I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: OH

Complaint narrative:
I am a mother of 4. During a hard time, I took out an {$8400.00} loan from Personify Financial on XX/XX/XXXX. The original interest rate is 78.69 %. 36 month term. I have paid to date {$8500.00}. Only {$1500.00} of those payments have gone to the principal balance. The other {$7000.00} have gone to interest. I am on an automatic payment plan bi-weekly. {$260.00} comes directly out of my bank account every 2 weeks. I have never been late on a payment to this company. They offer a 3 % interest rate reduction for every 13 payments. My interest rate is currently 71 %. This is a predatory loan. This is unethical. This company is charging exceptionally high interest rates. I have paid OVER the amount that I asked for. At this point, I am throwing money out the window. I can not afford this any longer. I have called numerous times demanding supervisors, and nothing has been accomplished. I offered them {$500.00} more to close out my loan. Which would put me over {$9000.00} out of pocket when I only financed {$8400.00}. IF I pay this loan until the maturity date which is XX/XX/XXXX, I will have paid them OVER {$20000.00} for a {$8400.00} loan. This is absolutely 100 % predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Keep in mind I was a victim of fraud and identity theft, the Account is still being reported to my credit report and damaging my score daily, so the statute of this item has in no way expired.

At this point, I want an immediate deletion letter from Chase Bank.

I have a federal litigator who is ready to take this on contingency and he assures me based on the home financing opportunities I've lost, and several lines of credit I've been turned down for, that this case is worth over {$100000.00}. If this matter continues to take much more of my time, I'll simply turn it over to the federal litigator to pursue in Federal court. 

Back on the XXXX of XXXX, I sent you a frendly letter to dispute my account and Chase just ignored it, not even mark account as disputed in reports. 

Again I'm just asking for what's fair. My income is well over $ 100k a year, at this point it's a matter of principle not the money. 

I have enclosed an FTC report since 2015 and when they time made it I thought only that company had fraud relation, then I realize that there were multiple accounts fraud related and Chase is one of them. 

Best XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The only options that I have been offered by Navient are forebearance, income sensitive repayment, 9r graduated repayment. My income has not increased but actually decreased. My loans originated in 1999  and have higher balances now than origination. I can not afford the standard payment options offered. Forebearances have only increased my debt, resulted in additional interest and not benefited me. The consequences of forebearances were never explained and always offered as sson my loans went delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2020, I made a payment of {$1600.00} to Synchrony Bank as payment on my XXXX credit account. My XX/XX/XXXX, XXXX statement showed that I had to pay {$1800.00} by XX/XX/2020, to avoid all deferred and continuing interest charges. I had earlier in the month paid {$200.00}. On XX/XX/2020, my bank removed {$1600.00} from my checking account and transferred it to Synchrony Bank. As of today, XX/XX/2020, Synchrony Bank refuses to acknowledge receipt of that money and apply it to my account. I have called them twice, they say the payment is " on hold '' and won't be credited for at least two more weeks, even though the money is gone from my checking account and in their possession. I also attempted to submit a complaint on the XXXX credit " Resolution '' page at least three times, and every time I get an error message conveniently claiming they're having " technical problems, try again later. '' I did manage to submit a complaint through their " review '' page of the Resolution page, for what that is worth.

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 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I started the loan process with quicken loans and during the process of them pulling my credit, they never attempted to verify the fraud alert placed on my credit report like every other lender I have dealt with. the fraud alert is in place with all 3 bureaus and there was no attempt at all to verify my identity, I have spoken with XXXX  regarding this and they told me I would need to contact cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
See Attached Detail Material. 

In XX/XX/2019 XXXX , XXXX incorrectly reported my loan as being past due. The issue related to their incorrect calculation of the proper escrow amount due. 

XXXX has since acknowledged the error and said they corrected the reporting to the 3 credit bureaus. 

TransUnion still does not report my payment history correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting I Owe {$220.00} on my XXXX  credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND XXXX  IF THIS INCORRECT INFORMATION IS NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: PA

Complaint narrative:
I was due for a payment on XX/XX/XXXX. I have been back and forth the XXXX with my son he has very XXXX  XXXX. I was unable to make payment because I had the cash on me and was in XXXX. XX/XX/XXXX was also notified on XX/XX/XXXX that I was in XXXX and would pay when I got back. They said ok. On XX/XX/XXXX they contacted my mom saying Mid Atlantic finance company kept calling them about my payment. My mom told them I was still in XXXX and they said ok. On XX/XX/XXXX they contacted my mom and said they were sick of this because finance company keeps calling. My mom then called the finance company explained my situation and told them I would pay before the end of the month they were very understanding. My mom told XX/XX/XXXX she called and straightened it out. They told my mom they did not care they were coming for my van to repo it. My mom told them they can not do that because the Mid Atlantic finance company agreed to let me pay by XX/XX/XXXX. they said no they had a separate agreement with finance company. I was never told about any separate agreement. My mom ended up making the payment on XX/XX/XXXX and verified with the finance company that everything was ok. They excepted payment and said yes everything was ok. The an hour later they left me a message that payment was accepted but due to XX/XX/XXXX calling and repurchasing the vehicle back the payment was voided and sent back. The XX/XX/XXXX came and took my van. I was only 15 days late how can this happen??? please help with this.I am stuck with no vehicle and my son is very ill. I was under the assumption that I would have to be at least 30 days late for a repo ... 
Thank you

Company response to consumer: Closed with explanation