vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I transferred my portfolio from Robinhood to XXXX. During the process, Robinhood charged me {$75.00} transfer fee without notifying me. I asked them where the disclosure was and asked for a reimbursement. They pointed me to a FAQ page which didn't show up during the transfer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By Santander Consumer USA. Financial Forbearance was granted for 3-Months Santander Consumer USA, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, Santander Consumer USA, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
Santander Consumer USA Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020 XXXX. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection XXXX.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XXXX Request Corrections to be made with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked Aaron collection agency Aka AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, there were five charges to my XXXX card ending in XXXX from Sony, for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with family members using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted XXXX, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. XXXX informed me that Sony originally marked the charges as one time normal charges, which they were, but because my account was locked, XXXX  denied the charges, so Sony fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from Sony for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting Sony for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had an original loan of {$9000.00} loan and made a payment of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX. Due COVID-19 I was unable to continue to make the payment and couldnt fulfill my obligations to make the payment I agreed to make. I tried to plead with the credit card company to make an arrangement to make an acceptable arrangements but refused to make an agreement to which I would be able to make the payment. I offered to make the total payment of my balance by the end of XXXX but refused to extend the deferred interest and demanded to renegotiate the loan with added interest rate of over {$4000.00} to the total of over {$13000.00}. I am willing to pay the original promotional loan balance without the deferred interest and close the remaining balance. And theyre unwilling to facilitate my request.

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 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by AmSher Collections Services ( acc # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XX/XX/XXXX from XXXX XXXX XXXX, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year ( XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Account ending in XXXX & Claim Number XXXX This letter is in regards to my California Unemployment benefits that were stolen from me. On XX/XX/20 I received a letter from Bank of America regarding the enrollment of my prepaid EDD card in XXXX XXXX. At the time I had been waiting for my card for over a month and had yet to receive it. Upon calling customer service I was informed that someone had fraudulently drained all the money from the card. 

After many hours on hold and calls to the EDD and Bank of America I was told that my claim valid and that the funds would be credited and they were only to be mysteriously debited again a few days later. 

It is now XX/XX/20 and I have not been able to access any of my unemployment benefits. I was able to view the transaction history of the card and I know for absolute certainty that most if not all the places the card was used have XXXX cameras and you can verify that it was not me using this card. I also know that I am not the only victim of this type of fraud and that workers inside Bank of America have been involved. 

To resolve the problem, I would appreciate your help in crediting my account again with the total amount of money that was taken from me ( approx. {$14000.00} ) Enclosed are copies of my records. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/20 ( before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX Sincerely, 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 monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, there were five charges to my Discover card ending in XXXX for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with younger siblings using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted Discover, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. Discover informed me that XXXX originally marked the charges as one time normal charges, which they were, but because my account was locked, discover denied the charges, so XXXX fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from XXXX for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting XXXX for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My loans were consolidated in XX/XX/XXXX under " Income Contingent Repayment '' with XXXX XXXX XXXX which has since dissolved. I paid my ~ {$540.00} dollar payments on time, religiously, during the time in which they serviced my loans, but Fed Loans for some reason has all of those payments listed as under " Extended Graduated Repayment '' and isn't counting them towards PSLF forgiveness which puts me behind by at least 14 months. The extended repayment plan had payments of {$2000.00} per month and I very obviously was not on that payment plan. I've attached the confirmation of my consolidation and application for ICR as well as the payment grid for each plan. If you look at my monthly payment history, it's very obvious at $ XXXX a month, I was NOT on the Extended Graduated Repayment Plan. 

Additionally, they still have yet to count payment for XXXX due to " no bill '' despite the fact that FedLoan themselves have electronic billing statements for those months, which I have enclosed. They are also not counting XXXX payments due to no bill, but I was billed and paid those months. This was when XXXX XXXX XXXX sold my loans to XXXX XXXX, I was not in forbearance nor did I voluntarily switch companies. 

I have contacted Fed Loans multiple times, attached the documents with proof, including their own electronic bills, and have had no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have an auto loan with Toyota Financials since XX/XX/XXXX. In XX/XX/XXXX, they reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late. As the result of that reporting, my credit score took a significant hit and disrupted my house refinancing. I have never been late with any payment, Toyota included. My XXXX and XX/XX/XXXX Toyota payments were deferred, so, after the deferment period ended in XXXX, I contacted the Toyota financials to made the payments for those deferred months and also to bring my account status from deferment to current. The Toyota financials representative assured me that everything is paid and my account is current. But, in XX/XX/XXXX, they reported me to credit bureaus for 30 days late for XXXX payment, which it supposed to be paid during my phone call with the Toyota Financials representative. I called Toyota Financials and I was told that they never took the XXXX payment and it was too late to withdrew the credit reporting. 
Toyota Financials representative assured me during my previous phone call that everything is up to current, then how could I be late for their XXXX payment. Also, all my Toyota payments were autopaid. My XXXX and XXXX payment were paid without problems, how did they just missed the XXXX payment? 
I contacted Toyota Financials and they refused to correct or withdrew their reporting. That is the reason I am filing this complain against Toyota Financials today. I have NEVER been late on any payments in my life. This time is certainly not my wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We had to put the house in forbearance in XXXX of this year. The covid=19 impact started in XXXX, when XXXX and I 's employer started to cutting back the amount of hours we could work. In XXXX, more hours were cut. XXXX and I were stretched beyond our means. So I strarted researching solutions. We were afraid to go into forbearance at first, we heard horrible stories about peoples homes being taken just as soon as the forbearance plan ended. In XXXX we had no choice, he was working 30 hours a week, I was at 20. This begins the challenge with LoanCare. They promptly allowed us forbearance, through a canned email. I tried several times to contact a live person to get details, no one answers the calls or the emails outside of the automated response ( we received your email and are working to get it into the right department ) This is the only type of email I have ever received from LoanCare. There is never any instruction on whats coming next, what I should have ready just nothing. I need ed to speak to a LoanCare representative in XXXX, I knew that forbearance was coming to an end. I called multiple times a day, left several emails every day. Still no response. So to cover our home I had to request anothe months forbearance, because I had no idea what was going to happen next, I still have no idea whats coming our way. Today I received another email, stating that I had documents to esign. There was no document to sign, A few minutes ago another canned email warning me that that this document was going to expire and needed a signature. At no time since LoanCare bought our loan from XXXX  ( awesome company, communicative, returned phone calls and emails with a 24 hour period consistently ) have I heard a live voice, or received a personalized letter from that company. Its a scary, stressful and daunting thought knowing that I am tied to a company for 3o years and that when an emergency comes up I will not be able to get direction or help from this company. The last time I cheched online it stated my next payment would be due XX/XX/XXXX. Today it say that payment is due on the first. Kind of short notice. I'm not sure I can come up with the entire payment with such little warning. To me it seems that LoanCare is going to do things in an unethical manner, and I have no idea what to do.

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 2020-11-25 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: TN

Complaint narrative:
accounts opened without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TN

Complaint narrative:
accounts opened without authorization

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 2020-11-25 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: TN

Complaint narrative:
accounts opened without authorization

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