vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good afternoon, I recently checked my credit score through XXXX  and became aware of an account I did not recognize. 
XXXX  reported that I owe {$1700.00} to Midland Credit Management. 
I called Midland Credit Management and informed me that I had an account with XXXX XXXX  XXXX through XXXX XXXX and that they were a collection agency. 
I told the person I spoke to, that I have never opened an account at XXXX XXXX  XXXX therefore I do not recognize this charge and to please remove it immediately from my credit report. This person told me that I had to contact the law firm handling the case and refuse to provide me more information. 
It seems someone XXXX have opened a fraudulent account using my name at Bass XXXX XXXX and I was not aware of it. 
Thank you for your help. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX came to my door and was trying to sell me home security. They promised products of certain qualities ( XXXX camera, water heater flood alarm, integrated smoke alarm ). I agreed and signed financing documents for the product. During installation, they didn't bring the agreed upon products. They said their salesman was new and to get what we talked about would be an upcharge. I was not interested in haggling and canceled the entire sales. The problem I am having is XXXX canceled everything and vacated my property with their equipment. I have all the documentation to support that statement. Their financing company called Fortiva refuses to cancel the loan and expects monthly payments for something which doesn't exist. The original agreement amount made with XXXX was {$1400.00} which they upcharge to {$1700.00} for the original agreement. After agreeing to the upcharge, they still failed to bring the required products. I got frustrated dealing with their bad sales practice and canceled the entire order. After canceling, a month or two later I see Fortiva on my credit report for {$4000.00}. My wife showed me that she also has a {$4000.00} loan from them on her credit report. They also refuse to speak with us and refuse to accept the cancelation documents provided by XXXX. I have reported it on my credit report and was denied two times with the supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I filed a complaint against American Express due to their attempt to collect a debt not owed by me. When I called and advised the client service representative I expressly asked if what they were showing as a late payment ( which was 100 % erroneous ) was going to show on my credit report. The rep advised it was not going to appear on my credit report. Their representative in my last call advised the same. This constituted a bilateral agreement they have broken. 

I checked my account today and find that they did, in fact, report this as a late payment on my credit report. This is totally false. 

The bottom line is that this company accepted a payment as payment in full and then charged a service and interest fee even though they told me it was cleared. 

They advised, unsurprisingly, that they could not document my call in XXXX when this account was initially closed and paid in full. The actions cause me blatant damage to my credit and it was only after filing my complaint, it appeared. This shows that American Express acted punitively to my complaint in a willing and wanton manner with malice and forethought. 

Original Complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I filed a complaint about the same company and account last month. The company is listing my account as a bad debt rather than a bankruptcy payment plan. The settled amount is also inaccurate. My account status and amount were fixed last month but have since returned to the same wrong information as before. However, a bankruptcy dated XXXX was written and mine was in XXXX of XXXX. This inaccuracy was never fixed. My attorney notified them in writing last month but it would appear that they are attempting to damage my credit long term without following appropriate guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: AMERICAN HONDA FINANCE CORP
State: NM

Complaint narrative:
American Honda Financial services has Illegally collected a disposition fee ( {$350.00} ) plus tax against the agreement on my lease contract when I already have purchased the leased XXXX vehicle through another third party dealership. 

I leased a XXXX XXXX XXXX in XX/XX/2018. 
Couple of months in advance before my lease was up, I decided to buy a new XXXX. 
And I paid off Honda financial services in full Via check to through a dealer. 

The California Lease agreement clearly mentions under section # 3 that Charges such as disposition or Turn in fee ( 350 $ fee+tax ) will ONLY be applied if i do not purchase the vehicle and return the vehicle itself to XXXX dealership XXXX 
( Please refer the attached contract snippets. ) There is no legal right for Honda financial to charge a vehicle disposition fee to cover a car that they no longer own nor have to dispose of. This is highly unethical. 

My lease contract states there is no purchase option fee nor conditions the disposition fee will be incurred in the event of a purchase. 

The discrepancy between personal and third party payoff is not addressed in the contract. It just says the lessee is the only one that can exercise the purchase option. And I am being illegally charged turn in/ disposition fee for exercising my purchase option. 

The attempts made to resolve this issue with XXXX financial were unsuccessful. 

I would like this charge to be dropped/refunded to me ( as I am forced to pay it to complete the purchase of my new XXXX vehicle ). 

Please help me resolve this case. 
Thanks! 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
When the CARES ACT was passed ; our current mortgage holder ; BSI Financial offered a COVID deferment opportunity. I was on a furlough salary reduction so my wife and I called, asked for the details, and then asked if we could apply. 

They told me that it would be for 6 months, interest-free, and in the end, we could pay the balance in full or have it added to the back end of the mortgage. 

We were good with those terms and asked if we could apply ; to which I was informed on the call that they didn't need any paperwork ; that it is automatically approved. I was told that they would reach out in XXXX to discuss the plans when the deferment was over. They did not.

We called multiple times in XXXX and eventually got someone on the phone. Our direct contact ( have had 4 different contacts ) never called back. They told us we had to refi with them for the balance of the outstanding debt XXXX XXXX XXXX, that we may not be approved, and that interest was accruing. 
We asked to start that process in XXXX of XXXX ' and have yet to get someone on the phone to update us on the status. 
We have made our full monthly payment in XXXX, XXXX, XXXX, and XXXX. 
We are trying to refi with a different company to get better rates and get our this servicer. 
They have refused to update the Verification of Mortgage to reflect our payments, indicate that we are on time ( says we have late payments ), and show a delinquent balance of the XXXX. 
We have called multiple times and asked for this to be updated but they don't change it. 
We can not refinance with another company until this is fixed and BSI won't call us back to fix the situation or refi it themselves so it is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I made a payment through my credit union bill pay to Bank of America home equity line of credit in the amount of {$600.00} that was never credited to my account even though the check was cashed by Bank of America. I have contacted them online, on the phone, and In Person multiple times since XXXX. 
I have sent copies of the canceled check and statements and still have not resolved this.

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 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I was misled by Quicken loans as to a FHA streamline refinance. I was told twice that there would be zero money needed to close or at most {$180.00} I even asked the XXXX XXXX XXXX how certain she was and she replied Very Certain!!! I have her emails stating this! Then at the last minute they say I need to bring over {$2000.00} to close!!!!!! Totally was lied to!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Curfin Holding Company, Inc
State: IL

Complaint narrative:
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/2020 3. XX/XX/XXXX. XX/XX/2020 4. XX/XX/XXXXXX/XX/2020 ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. SYNCB XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for Citi XXXX credit card, seeing a promotional offer of signup bonus of XXXX points after spending {$4000.00}. I also saw the term that this offer is not available for customers who have received this bonus within the past 24 months. 

According to my calculation, last time I received this offer, it was beyond 24 months. Citi approved my credit card application. However, when I received the card, it told me I am not eligible for this offer. 

So I am making the following complaints : 1. Citi miscalculated the 24 months ; 2. If Citi believes I am not eligible for this offer, it should have informed me before opening a credit card in my name. I believe this card account was opened without my consent.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
After calling LoanCare to sort out a new escrow amount, I Was advised by LoanCare Customer Service in XX/XX/2019 not make payment on mortgage until new/correct amount was determined. Was told that my payment would NOT be reported as late. Was advised I would be given 60 days days to solve issue of new payment amount. When advised of new amount I promptly made payment. Then got letter advising this amount was incorrect. Called Loan Care Customer Service and was advised of the amount given to me was wrong and was then given NEW corrected amount. I mailed this off. Loan Care told me they would not report my payments as late. They have inaccurately reported late payments and they have failed to fix these mistakes. I have called 5 times in last 12 months to fix this. Each time I have called I am told by Customer Service " we see in account notes that you were advised you had a 60 day grace period, we see you were advised not to pay '' yet they have repeatedly failed to correct the error.

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 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to Financial and XXXX XXXX, on XX/XX/XXXX, I submitted application for modification and it was approved. Trial modification for three months, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
After complying with Trial Mod. I called Wells Fargo Home Mortgage, requesting documents for Permanent Modification, was advised I will receive docs. in 15 days.XXXX XXXX, XXXX, spoke with XXXX at Wells Fargo, 31 minutes she kept me on hold, going back and forth asking my inquiries to her XXXX, her conclusion advised it would take 45 days to receive Modification Documents due to load of work. 
Month of XX/XX/XXXX, she advised to pay less amount of loan due to a credit on my account. 
XXXX XXXX, wrote letter also called WF concerns of not having new mod statements and they have not paid my Homeowners Insurance that due XX/XX/XXXX. My modification is up in the air. Im very concerned after Wells Fargo XXXX, had me on foreclosure due to their negligence.

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that there was a charged off XXXX XXXX XXXX ( credit card ) on all three credit bureaus reporting inaccurate information. I reached out to the original creditor about the account, the original creditor ( XXXX ) told me that they can not give me any information on the account because they no longer have the account. The owners of the account is XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX XXXX, FL XXXX when I looked on my credit reports XXXX XXXX XXXX XXXX is not listed as the collection agency nor collection attorney that has the account. the address on my the credit reports is showing XXXX XXXX XXXX XXXX XXXX, TX XXXX ( which is a XXXX  XXXX XXXX ) address. phone number is XXXX. I am totally confused as to why XXXX XXXX XXXX XXXX is not being reporting on my credit reports but a XXXX XXXX XXXX XXXX XXXX TX is being reported. why is XXXX, XXXX, XXXX not reporting accurate information? why is Andreu Palma & Palma not revealing themselves as the furnishers of the account if the original creditor said that they have it? Not only that, Andreu Palma & Palma has summons me to court XX/XX/XXXX for a lawsuit. I am asking them if you say I owe this debt please provide me with the original contract with my name listed along with other things. I sent them a certified mail asking this company to validate this debt. I am so confused and I really feel like Andreu Palma & Palma is misrepresenting and being misleading. I would hate to think that they are breaking Statue 15 US code 1692 e3, e7. this is the reason for the complaint today. please help me. they are reporting invalidated, inaccurate information to all three credit reports that is hurting my credit score at this very moment. None of this is making any sense and I am afraid that they are trying to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
I am a victim of identity theft and I have to constantly try to rectify the effects as accounts that were opened fraudulently are continuing to report in my credit file and I am being contacted in reference to the fraudulent debts. The fraudulent accounts are Fair collection and Out, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I opened a checking account with TD Bank after I received a promotion in the mail from them. The account was opened with a {$500.00} deposit from another bank I currently use. After account opening, I registered online and downloaded the bank 's app to my mobile phone and tried logging and there was some problem and the app instructed to call them on the 800 number. I called to find out what the problem was and they just said I have to go into the branch to verify something but they could not tell me what needed verification -- I just have to go in person. I reminded the representative on the phone that we are still in the middle of a pandemic and this would qualify as something considered essential. Nevertheless, I took time off from work on XX/XX/2021 to visit the nearest branch and correct what the problem was and possibly use this account for its intended purpose. The representative in the branch told me that there is a fraud notification on my account -- when I asked why when I entered all of my information correctly online and my application and deposits were accepted yet he could not provide any answers he could only tell me that I can not access my account but I can request to close the account. Since opening I had made an additional deposit on XX/XX/2021 and now I need to use this money to pay for living expenses so I agreed and asked for the funds to be returned and please close the account. This was also a problem and he said that closing the account would also not be possible -- I have to wait for the bank to decide what to do and ONLY THEN I would be able to close the account. Now I am stuck without money, without a clue as to what caused a fraud designation, more importantly without the ability to pay bills at this time.

Company response to consumer: Closed with monetary relief