vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky, a payment collections company, are trying to swindle $ XXXX out of me by means of XXXX XXXX XXXX XXXX XXXX a company I only received 4 laser hair treatments from, that I signed up for during their half off sale. I should have only paid {$200.00} all together, but GreenSky continues to harass me with bills. In total, they would be taking {$3500.00} from me for 4 half off laser hair treatments. I filed a dispute with GreenSky the first week of XXXX yet no one has got back to me. I also complained to the Director of XXXX XXXX and she told me she had nothing to do with GreenSky. I have complained to both XXXX and GreenSky that I became XXXX and was no longer able to come to treatments, and also, that they did not work. I have been battling both these companies for almost a year and a half. I paid what I owed, which was {$200.00} but they kept charging me {$75.00} per month so I have altogether paid GreenSky {$1000.00} and they are trying to collect {$1900.00}. I live off a XXXX check but all they want is money. Both XXXX and GreenSky are thieves. Even the director of   XXXX " didn't understand '' why my balance was so outrageous but told me she is hands off when it comes to GreenSky, the company that takes XXXX 's payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XXXX XXXX XXXX is claiming I have a {$3100.00} credit card debt from Synchrony/PayPal. I contacted PayPal on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the XXXX collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

Synchrony bank responded in writing, XX/XX/20 that they sold the account to XXXX, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from XXXX. 

I can not get PayPal, Synchrony bank or XXXX XXXX XXXX to provide any transaction details to this account. 

I do not believe it is my debt.

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 2020-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There was a collection added to my credit file from XXXX XXXX. It was placed with Experian today XX/XX/2020 and with XXXX  and XXXX  last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with XXXX and Experian and I keep getting an error message. XXXX  will not let me get thru the phone line.

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 2020-10-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has recently put a collection account on all 3 credit bureaus just recently without warrant and proof that this account belongs to me. This account has never showed on my reports then suddenly shows up with dates that I never opened this account. The amount is for $ XXXX. I have called citibank recovery directly and to no avail they have not helped nor shown me proof that this account does belong to me as it has severely damaged my credit and my ability to buy a home in the coming months. This needs to be resolved immediately as I will take legal action against the company.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  summited my account for collections to XXXX XXXX XXXX XXXX in the amount of {$280.00}. I paid XXXX XXXX the full amount on XX/XX/XXXX. Earlier in XXXX, XXXX XXXX sold the account again to Nations Credit Systems.

I am in the process of refinancing my house and them doing this is uncalled for and illegal. Any assistance you can give would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have purchased a experian membership. Experian has been reporting information on my credit report incorrectly. I have attempted several times to resolve the matter over the past 45 days and they have done nothing about it. There reporting on the credit score is incorrect and other accounts that they offer in their boost feature. I have attempted to communicate with the agents who hang the phone up on me several times. Experian is falsely advertising products that they are manipulating people 's credit scores to their own gain. There scoring is off by 30 to 40 points compared to the other agencies. This has been consistently happening over the past year.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Reported missing payments on house loan. 
Company 's name NewRez. 
Address XXXX XXXX XXXX XXXX XXXX MI XXXX Phone # XXXX Fax # XXXX I have auto debit bi weekly payment since i have this Mortgage Loan. 
They reported i miss the payment 3 times in six months. 
Its totally incorrect. 
I file dispute with them on XX/XX/2020 and after 30 days they send me letter saying will take more time not mentioned any period. they dont allow me to talk to Manager or supervisor about this matter. Even not provide name of them or ext. no for them. I am trying to refinance to get lower rate but i am suffering due to this reason no finance co. accepting our application.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CT

Complaint narrative:
There are two fraudulent accounts on my Equifax credit report, both from XXXX XXXX. I discovered who the person was that opened these fraudulent accounts and got a police report from XXXX XXXX Police in CT. I followed FCRA 605.b to the letter and provided Equifax with all the needed paperwork. 605.b is clear that the info should be removed within 4 days. It has not been. Every time I call the XXXX  call center WILL NOT transfer me to the American office as I request. I am now receiving daily e-mails from Equifax, saying if I pay for their services they can help me. Clearly they are intnetionally violating the FCRA in an attempt to extract money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There was a collection added to my credit file from XXXX XXXX. It was placed with XXXX   today XX/XX/2020 and with XXXX  and Equifax last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with Equifax and XXXX  and I keep getting an error message. Equifax will not let me get thru the phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX  XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX XXXX  XXXX - # XXXX TransUnion - ( Did not receive dispute #, TransUnion XXXX XXXX attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, XXXX, and TransUnion. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, XXXX, and TransUnion with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit  bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX as XXXX  XXXX XXXX addresses the CFPB complaint ID - 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 2020-10-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also Experian ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX Experian Alert - # XXXX XX/XX/XXXX - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for Experian, XXXX, and XXXX. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I also received the attached documents from Experian, XXXX, and XXXX  with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX addresses the CFPB complaint ID - 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 2020-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Mother had a boyfriend who exhausted her finances while she  was suffering from XXXX. After funds were exhausted the boyfriend manipulated her into getting a home equity line of credit for {$100000.00} on XX/XX/XXXX. Knowing she was suffering from XXXX he convinced her to be a co-borrower on this loan without having any interest in the property and not being married. We tried multiple times to get her medical help for XXXX and he would not let us intervene. Bank of America allowed this loan to happen. We tried to freeze this account many times after her death which was XX/XX/XXXX, without any cooperation from Bank of America. I am the Trustee of this property and XXXX of Attorney and have been since my Mother could not make decisions and was diagnosed with  XXXX. The boyfriend is wanting to increase the home equity line after her death when the account should be frozen. Bank of America sent a letter currently saying they are researching a recent home loan increase request. XXXX XX/XX/XXXX, and wanting 15 business days for a response. We have tried multiple times to contact Bank of America to stop this fraud after providing the death certificate and trust information showing he has no interest in the property. We are trying to stop any additional fraud. We the Trustee have been making the payments on this loan and the boyfriend has not been paying. In addition to this complaint, how did Bank of America allow my Mother and the Trustee to be removed from the loan when it is attached to the property and the boyfriend has no interest and he is the only remaining party on the 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 non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Care Credit I had a balance of {$3100.00}. Every month i send more then the mim payment. Now they send me a bill for {$1500.00} more! They advised i didnt pay the derred amount by XX/XX/2020? the payments i send they are not applying the derred amount like i was advised they would do. Now they applied {$1500.00} more in interred to the account!

they have has a prior suit for doing this in the past. When i called they were extremly rude and didnt want to hear anythign i said. I asked them where on the Statement does it say they can charge {$1500.00} in back interset? He manager says its the LAW. Its not the Law i understand going foward charging the 26.99 % interest but chraging me {$1500.00} in deferred intrest and charging me 26.99 % each month too thats unreal. wihout any explanation of this on the bills they send monthly. Not sure if anyone can help me.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-10-15 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: PR

Complaint narrative:
I called Experian to dispute this account on XXXX they told me that they can not help.

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 2020-10-15 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PREMIUM MORTGAGE CORP
State: NY

Complaint narrative:
My wife and I recently Refinanced our mortgage with Premium Mortgage Corporation out of XXXX. We closed on XXXX XXXX 2020. We were told because my wife had started a new job they would need a paystub before they gave us our escrow check. which we needed to help pay for our wedding XX/XX/XXXX. Two weeks had passed and we sent in her stub which was for 72 hours as she had started her job on a Tuesday. Now keep in mind I qualify for the mortgage on my own. But regardless now the new protocol they would not release escrow until we gave them an 80 hour check. keep in mind they called and verified her employment and we gave them her payment contract. By this point the loan was already booked and sold to another lender. The lender and closing office will not disclose a payment disbursement schedule nor Signed mortgage package .... I know that I should have a check for about 7k coming back to me and no one is willing to cooperate. Ive seeked legal council and told them I would be reporting them if they didn't hand over my escrow with interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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