vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank care credit card has negatively reported on my credit report even though I told them and show proof that I was in a mental health facility since 2018. 
On all my credit reports I have placed a personal statement that says that I am a victim of identity theft and under no circumstances credit be extended to someone without first answering security questions. I am mentally XXXX and on also on a fixed income and this has caused me great distress and that led to my recent hospitalization. Synchrony bank has removed other accounts that they deemed as identity theft and had them removed. This care credit account is under Synchrony Bank and also fraudulent. This is affecting my ability to move to a safer environment where I don't have to be concerned about broken into mail boxes and identity theft.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied for a mortgage loan with quicken loans ( rocket mortgage ) on XX/XX/2020. 

I was told that they closed in an average of 42 Days. This was acceptable as i had a construction loan that had to be paid in approximately 60 days. 

After having everything clearing initial underwriting there was delay after delay for an appraisal. Finally had the house appraised and i was informed that i had to install hand rails on the front steps before i could close. I had already ordered custom steel railings to be fabricated but they will not be finished until XXXX. I purchased and had temp railings installed at a cost of {$750.00} so i could get closed. After doing this, I called to have the final inspection done so i could close on my loan. An hour later i received a call from a quicken loan employee informing me that " because i volunteered with the organization that i am now paid to work for ( a faith based 501 ( c ) ( 3 ) ), my income didn't qualify and i would need a co signer. This was over 90 Days from the beginning of the process. 

I repeatedly asked for them to send me the regulation stating this policy that excluded my income or type of income. They have really just given me the run around. They have acknowledged that the mistake was on their end ( didn't call it a mistake, but rather an opportunity for improvement on their end ). They said it is their policy but cant share that proprietary information with anyone. 

I feel as though i am being discriminated against. I have incurred thousands of dollars in fee 's and penalties due to quicken loans incompetence. They should not be allowed to string someone along for more than three months and then ... oops sorry, your job doesn't work for us, " your type of income '' " this type of income is considered contract work ''. They already received my check stubs and verification from my employer. This had the green checkmark on my dashboard for months.

I have hundreds of emails and text messages from numerous quicken loan employees. Not sure the best way to share them.

I believe i deserve a real explanation from quicken loans! I believe that I am owed damages from quicken loans. I have had many loans including a dozen mortgages in my life ; i have never experienced anything like this. 

XXXX XXXX XXXX -I have great credit -I was borrowing {$240000.00} on a house that appraised for {$570000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
This account is in litigation. Santander exposed me to high levels of risks : a high loan to value ratio, backend fees, high payment to income rations so when the car was totaled the amount due was inflated. 

The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} was paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would have been paid off. I had full coverage and gap insurance. I settled with Santander XX/XX/XXXX for {$3300.00}. 

I have also been contacted by Virginia 's Attorney General about a class action lawsuit against Santander for deceptive practices by specifically targeting vulnerable Virginians who were more likely to default on their car loans, subjecting them to unnecessarily high-risk loans, and misleading them about their rights as consumers. I am one of those individuals those individuals whom were misled. Santander would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Due to struggles with Covid 19 paid a bill a few days late, but paid in full. CHASE will not credit the late fee and continue charging late fee over late fee over late fee and would not take into account COVID 19 hardship. My husband and I are currently unemployed. Today asked them again and they told me no and when I logged into the account, it was closed. The balance is XXXX and is totally late fee and interest. They removed the other fees they charged improperly. Illinois only started paying unemployment for COVID in late may and as soon as we got it we started paying all the bills. I had no issues with other cards, they removed the late fees if any were incurred and paid all my balances, except for CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX showed I didn't pay on time, this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MD

Complaint narrative:
Im writing in regards to an Auto Loan with XXXX  XXXX XXXX. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX Bill Pay. I pay 90 % of my bills through Bill Pay and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

XXXX  XXXX XXXX has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think XXXX XXXX   XXXX is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that XXXX XXXX XXXX is ruining my credit and I want XXXX XXXX XXXX to correct my file immediately. I will NEVER deal with XXXX  XXXX XXXX again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my 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 explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions
State: CA

Complaint narrative:
On Thursday XXXX XXXX I returned a call from my missed calls. That number was XXXX. A woman answered and told me she was calling from ADR ( Acknowledged Debt Resolutions. I was told I had an outstanding credit card debt from 10 years ago with XXXX XXXX  and that I could either pay half of what i owed or that they will proceed with legal filings where i will then owe over XXXX XXXX XXXX. I was skeptical but they had my name, address, and last digits of my SS card ) Needless to say after a while i was transferred to another person who i was disconnected from. Then I called their XXXX number on their webpage and no-one answered that. 

The numbers I called or was called from are : XXXX XXXX While I am convinced this is a scam, they were very good and had information that i guess is public information about me but it still has put me on edge.

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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: PA

Complaint narrative:
The dates of this so called debt that I owe are wrong. It was an account that belonged to my ex husband and is not on his credit report either. The debt owed is over 7yrs old. I have disputed numerous times asking Meridian Financial to produce a signed contract by me stating that we have a contract and they can not produce one. This was removed from my credit report before and now put back on with a newer date!

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 2020-10-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XX/XX/XXXXwith ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
Today XX/XX/2020. I spoke with XXXX, I was told by the representative, that they DO NOT KNOW WHO XXXX. is and that as of XX/XX/2020, the debt still shows as owed and valid. XXXX still shows no record of the payment I paid XXXX on XX/XX/2020 nor do they show any correspondence on XX/XX/XXXX from XXXX. I am concerned that XXXX misrepresented themselves, and stole my money, Its very odd to me that XXXX the original creditor can not seem to locate the payment and doesn't know who this company XXXX is. 

AmSher has refused to talk to me, directing me to the XXXX XXXX XXXX   XXXX XXXX. I called them today as well, I was told by the representative that XXXX XXXX was not available and that the account still shows as in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have {$200.00} dollars in points for Sears or XXXX except I am unable to use the points due to no delivery, or unavailable in my area. I keep receiving emails stating I have until XX/XX/2021 to use but am unable to do so. No-one is able to assist me or seem to care.

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 2020-10-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my 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 explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal took money out of my collateral account instead of out of my PayPal credit card. I started calling Monday XXXX XXXX they say there is a 2-3 hr wait to send message or email. I did both, they did not contact me to yesterday XX/XX/XXXX via. XXXX msg! They did not address the issue At all just a form message.. In the interim my card was hacked. I continued to try to contact them about the hack now, same problem no phone support, Again a message via XXXX was sent Not addressing with issue. They took XXXX out of the wrong account. 4 full days and I still have not solved the {$61.00}. I contacted the company I Purchased from and they sent the payment as a credit card to PayPal. Now I took off a backup bank and another bank credit card because there is no response! And was hacked. I received a message that stated even though I deleted my bank and another backup credit card they will still take future payments out of those accounts ( I gave no authority to use deleted accounts ). I can not even close out this account because there is no phone, text, email or other way to contact them. As a side bar : they keep saying because of Covid long waits however every other credit card, bank service, companies et al say that but they all have employees working from home I know because I get service with all of them. And my niece works with XXXX XXXX and they have customer reps working from home. This last statement is just FYI not within complaint. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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