vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, Santander charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, Santander reports erroneous late payments to XXXX, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by Santander as delinquent. I saw the change in XXXX XXXX, checked the Santander closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with XXXX, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX  there was a purchase of the XXXX sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.

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 2019-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
Dear Sir or Madam, Please accept this as my formal complaint that ConServe lied, in their attempt to settle my accounts. On XX/XX/2018 at XXXX I spoke to a lady at ConServe. When speaking to ConServe, she misrepresented which accounts would be taken care of with my payment. She stated that my payment of {$620.00} would settle all 3 debts ( 2 for XXXX XXXX XXXX  and 1 for XXXX XXXX College ). She specifically used the terms " released and forgiven '' when referring to all 3 accounts if I made the payment. If I had known that it would not have forgiven all 3 debt accounts, I would have made other arrangements to secure their release. 

It should be made clear that I was fraudulently told that my payment would satisfy all 3 debt accounts. As of today, a different agency is now calling for the XXXX XXXX XXXX University accounts and I am being informed that payment has not been made. 

It should not be legal for ConServe to misrepresent their ability to settle on behalf of their client ( the schools ) in order to obtain some of the money that is owed. I was willing to come to some form of agreement and was given the impression that I was settling all the accounts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a promotional purchase of {$3300.00} two years ago, saying Synchrony Credit Card Interest Free with big letter on XXXX XXXX promotion sign. Then I applied and started to pay it back each month. In XX/XX/2019, after 24 months from then, only {$1400.00} remains on balance. However, starting from last month, Synchrony Bank was charging me additional {$2100.00} dollars interest, saying it is the 24 month deferred interest, which I was never unaware of. 
I was never given notice about the deferred interest of {$2100.00} before it appeared on my bill. No one informed me about this from beginning and during payment period. What I received is just an email eStatement monthly, showing how much remaining balance and the due date. There is no any indication about 24 months payoff requirement. And it is my first time to hear about the term of " deferred interest ''. 
Therefore, I felt being misled by the promotion of " interest free '', instead of " deferred interest ''. 
I have a good credit score history and never miss any purchase/credit card payment. However, this time, I feel unfair about the {$2100.00} interest from a mere total {$3300.00} purchase. If I was clearly told about the deferred interest at the very beginning, I would not apply the card at that time.

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 2019-03-21 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: P.S.C., Inc
State: WA

Complaint narrative:
There is a debt on my credit report that not only does not belong to me, as I have never used those services, it is reported exactly two times on my credit report. The same debt which is not mine is reported twice. I tried to dispute this through XXXX XXXX, but have not received a response. I'm trying to qualify for a home mtg and can not until this is resolved. On XX/XX/2019 a debt for {$680.00} was reported two identical times on XXXX  and two identical times on XXXX. The collection agency is XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX. This is not 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 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My bankruptcy was discharged on XX/XX/19. XXXX and XXXX have updated this information to reflect, but Transunion still has not updated their information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I filed a complaint with CFB on XX/XX/XXXX # XXXX about a modification issue with Bank of America. Instead of them helping me with the issues of the modification since XX/XX/XXXX they have closed without warning my Bank of America Credit Card, they have suspended my Bank of America Line of Credit and they have reported me to the Credit Reporting Bureau damaging my XXXX credit score down to XXXX. This is after both XXXX XXXX and XXXX XXXX from Bank of America both told me back in XX/XX/XXXX/XX/XX/XXXX that while I was going through the modification process late or missed payments will not effect any of my accounts. I have also lost my credit for direct withdraw and after almost 2 months of working with XXXX XXXX BOA has not helped me but has made things worse

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a payment to Discover Card to pay my balance in full using XXXX XXXX bill pay service. I had deposited a large check, so XXXX XXXX put a 5-day hold on the funds ( other than for the bank to use my money, I don't understand the purpose of this ). The funds were to be available XX/XX/2019, so I scheduled payment to discover ( along with payments to all of my debts ) for that day. Discover received my payment early and deposited the post dated check which then bounced. My bank charged me {$38.00}. 

Neither Discover nor XXXX XXXX will accept responsibility for this problem. I am out {$38.00} and I have a blemish on my payment record with Discover because my payment was late due to this check which should not have been deposited early and in turn should not have been accepted early. Discover blamed the problem on automation ; while XXXX XXXX blamed Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: GA

Complaint narrative:
We sold our house in XX/XX/XXXX, on the day that we closed I called to cancel our services at XXXX XXXX XXXX and was told there was a {$0.00} balance. In XX/XX/XXXX I received a notice saying they were sending us to collections for a bill of {$310.00}. After receiving this notice I called to pay our balance that I was unaware of before receiving the collections notice. I was told after giving my account number that there was no balance due. After being notified that there was in fact a balance due and it was sent to collections and had affected my credit score poorly I called again and paid the balance in full on XX/XX/XXXX. I am supposed to close on my house on the XX/XX/XXXX and they just now sent me to collections. This is affecting us being able to close on a house. We want this removed off of our credit report as soon as possible so we are able to move like we planned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, XXXX charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, XXXX reports erroneous late payments to Equifax, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by XXXX as delinquent. I saw the change in XXXX XXXX, checked the XXXX closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with Equifax, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPL Recovery LLC
State: IL

Complaint narrative:
I received several phone calls from a debt collector under the name of JPL Group, claiming that my debt of XXXX in principal with the company XXXX XXXX had been transferred to their company for collection. The voicemails threatened lawsuit action and left various different contact numbers. After several missed calls, I answered a call from JPL on XX/XX/XXXX. A woman named XXXX XXXX informed me of the above-mentioned debt. She said that if I did not pay the debt in full over the phone, they would serve me with court papers and court date, claiming I would need to defend my case in court. I told her that I would need to verify the debt as legitimate before I would give her company any money and asked her for contact information. She provided me with this information : JPL Group jplgroupsolutions.com XXXX XXXX - Civil Processing Division Collecting debts on behalf of XXXX XXXX XXXX ext. XXXX Business Hours XXXX XXXX - XXXX XXXX  Loan received : XX/XX/XXXX Principal Balance : {$500.00} I requested copies of my bank statements for the entire 2012 year, and I found no deposit made from ANY loan company. 

Next, I called XXXX XXXX and provided them with my personal information. The customer service ran my information through the XXXX XXXX database and no record of any loan. He then passed my information along to his manager who ran my information through the company 's extensive database. Again, there is no record of loan issued in my name at any date or time. 

XXXX XXXX filed a complaint in regard to this fraudulent matter and asked that I also file a complaint as an individual to aid in the prevention of further fraudulent debt collection attempts by the company JPL Group.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they ( Credit Bureaus ) stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the amount of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: AR

Complaint narrative:
Getting a call from Florida from an attorney called Hunter Warfield about debt collection, number is XXXX, calls often I OWE NO DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
This is a continuation of complaint # XXXX. It involves at least 2 companies, XXXX and DiTech. XXXX has been very informative with regards to figuring out what exactly happened with this loan. XXXX had this loan from XX/XX/XXXX until XX/XX/XXXX. Due to the lack of information provided to me, is when the loan went into default. However, DiTech did not buy this loan until XX/XX/XXXX. Account # XXXX. Why was there a 4 year lapse in collection of this loan. Until this day, I have no idea why there is no recorded information with regards to who bought this loan, who owns this loan and of the foreclosure status on this loan. Is there a second mortgage on this loan and is there a lein on this property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. 

I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX ACC XXXX XXXX, Opened Date XX/XX/XXXX Original Creditor 04 XXXX XXXX XXXX XXXX , High Balance {$1500.00}.

2. XXXX XXXX XXXX, ACC XXXX XXXX, Original Creditor 11 XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}.

I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Dear CFPB, We had a {$170000.00} mortgage with XXXX XXXX, they sold the loan I don't know how many times, we wound up with New Rez, never heard of them ; they placed a forced flood policy on my home and insist I pay the new amount including {$1000.00} a month escrow. I spoke with them 3 weeks ago and the person gave me a fax number for our HOA people to fax the flood policy to. I watched the HOA lady fax the document, then she gave me a copy which I have in front of me right now. My condo association pays the flood insurance and it is not escrowed. The flood policy was in place when I took out the mortgage with Loan Depot and somehow the new company New Rez lost track of it. Now they are calling me and threatening to make us 30-day late and start foreclosure. They called us an hour ago but hung up I believe or we were cut off and I don't know what to do. We didn't cause any of this. We were going along paying our mortgage on time and then because the loan was sold to an incompetent company we're in this predicament.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation