vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Around XX/XX/XXXX I spoke with XXXX XXXX at PennyMac to refinance my loan. We discussed what I wanted in the loan. I was very clear of my credit and past history. I told XXXX I did not want to have the taxes and insurance escrowed into my loan. XXXX filled out the application and asked for me to sign it but would change it later not to include the escrow account. I also said I wanted to pay off the PMI for the entire loan upfront and did not want to pay any closing cost. 

XXXX said in writing this would be fixed but it never happen. He came back to me almost three weeks later telling me nothing he said closed be but I could still move forward with the loan. At this time I asked for supervisor who refunded the money I paid for an appraisal. He told me I could have a new loan person which I said I would. This never happen. In fact everyone stopped speaking to me. I call XXXX [ the supervisor ] several time and finally sent a email. To this date he has not responsed. I called the number and asked for his supvisor or the loan processor to call me. I called her and emailed her for over 48 hours and I got no response. Eventually on one of my many calls someone told me the loan was declined because of a foreclosure that will be on my credit until XXXX [ this is not true I do not have a foreclosure on my credit at all ] and a misstatement of my income. I asked it they would like me tax returns & to speak with XXXX XXXX [ she never returned ANY of my calls or emails ] [ she was the loan processer ]. During this time the interest rates have gone up and I missed out on a better rate. This has also negatively impacted my credit score. I have additional emails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
In XX/XX/XXXX, Caine Weiner added a collection account for XXXX XXXX for {$610.00} on all 3 of my credit bureaus. I had XXXX XXXX last year and then switched companies. I contacted XXXX to inform them of the cancellation date in XXXX of XXXX. They assured me everything was cancelled and there would be no balance owed due to the insurance being paid in advance for the month. I noticed the collection in XXXX of XXXX. At which point I contacted XXXX and they informed me the agent never properly cancelled my policy. They admitted to fault and said they would send all necessary documentation to the collection agency for the account to be deleted from my bureaus. In XXXX, they were still present on my credit. I called XXXX again and they directed me to Caine Weiner. Caine Weiner directed me back to XXXX. I called XXXX again and a supervisor told me that if Caine Weiner wouldn't deleted it would have to be disputed. I tried to call Caine Weiner one more time, they told me there was no other way to delete besides paying the balance in full or settling the amount. Settling the amount would not delete the account, it would only show the derogatory account with a XXXX  balance. This was not a balance that I owed, therefore I don't believe it is fair to pay a debt I don't owe or have derogatory Mark 's on my credit for an agent 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: TX

Complaint narrative:
Equifax is reporting incorrectly a collection/charge-off in the amount of {$11000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page from my credit report attached. ) XXXX  and XXXX  are reporting correctly. This account has a {$0.00} balance and should be reporting as such. This false reporting of a collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have health insurance. I have had health insurance. I should not have a bill and these should have not affected my credit score.

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 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX with MCM ( XXXX ) called my place of employment in attempt to collect debt. I asked him if this was a personal or business call and he replied with " why are you so afraid. '' I said to not call me at my place of work and to contact me on my personal line. He then hung up and called two of my coworkers and told one of them that he was trying to reach me in attempt to collect debt. He should not be telling my coworkers about my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
Today XX/XX/XXXX North Star location services called my parents house. They are calling on behalf of XXXX XXXX  who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2019, my savings account was froze due to deposits and the bank wanted to know why I'm withdrawing my own funds from my account. The bank spoke to my relative about the deposit and she confirmed however the bank have yet to release my funds that are in the account. It's about to be 7 months and this bank have not informed me that they will close the account and mail me a check for my remaining funds.

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
*Fortiva Credit Account Number : XXXX *Account Name : XXXX XXXX DO NOT confuse this complaint with the other one. This is a different issue. 

This predatory company need to be out of business asap. This predatory company aims to destroy your credit not help rebuild it and i've worked too hard to get my credit right. I've never seen a company so many incompetant ignorant uneducated non-English speaking employees as this one. I've requested this company to change my due date several times thru their app by sending messages yet they've continued to LIE and claim not to have any messages from me. I requested more than once to have my due date changed to the XXXX of every month more than once and i have screenshots to show how it looks on their app. I've NEVER seen a company have an app that doesn't get their messages. On XXXX i once again called this company asking about a Financial Hardship. The so called supervisor i spoke to name XXXX XXXX which i doubt is his name he repeatedly threatened to report on my credit my account as late. Then he tells me they don't do anything like that to help customers. XXXX also told me if i made payment arrangements they would still report it as late to the credit bureaus. I was appalled because just about every company have some kind of Financial Hardship Department or some sort of Department when customers can't make a payment and this is my first time ever not being able to make a payment due to health reasons. I told XXXX XXXX i could make a payment on XX/XX/2019 and he kept threatening to report it on my credit as late. He also kept trying to force me to agree to a payment on XXXX which is also my due date. This XXXX XXXX character kept being sarcastic and ignorant and acting as if he doesn't comprehend anything. 

If a customer calls in and is trying to do the right thing this company will penalize you for doing right and messing up a person credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Technical Institute
State: CA

Complaint narrative:
On XX/XX/2019, I filed a compliant against XXXX XXXX through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XX/XX/XXXX-XX/XX/XXXX, every phone conversation with a representative of XXXX XXXX was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called XXXX XXXX on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, Universal Technical Institute. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XX/XX/2019. 

I called Universal Technical Institute on XX/XX/2019 to get information about where my loan was and why it was being moved and if it can be moved back to Universal Technical Institute. A representative there said that once the debt is given to a collection agency it can not be given back and that XXXX XXXX by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why XXXX XXXX is incapable of providing quality service to people who are willing to pay down debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. Equifax, # 2. XXXX  & # 3. XXXX  about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint narrative:
I obtained the student loans with AES back in XXXX and started repaying them in XXXX. Since then I have been making payments monthly, and when I look on my statement it states that I have paid back almost double the amount that I originally owed, but in addition to that, I still owe almost another two times that amount left to pay. No matter how much I pay, it never affects the principal but it also seems to keep making the interest go higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XX/XX/XXXX-XX/XX/XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you

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 2019-11-11 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: NJ

Complaint narrative:
XXXX  Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. XXXX  refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
XXXX  investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate XXXX  for reporting incorrect activity on my credit report. Please provide all documentation that XXXX  received from agency which they think is enough to state that account is mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Today XX/XX/XXXX XXXX XXXX location services called my parents house. They are calling on behalf of Barclays cars who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is 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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
This is not my 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 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I sent an inquiry via certified mail USPS # XXXX to Synchrony Bank/ Care Credit XXXX XXXX XXXX XXXX Florida XXXX. 

The inquiry was regarding an account # XXXX in the amount of {$4400.00} listed on all three of my credit reports as a charge-off, this is not my account. 

In the letter I requested for Synchrony Bank Care Credit to provide all documentation and records related to this account, I requested all documentation and records related to opening up the account in order to show that I did not open this account. I requested that the negative charge-off information be removed from the three credit bureaus and for my credit file to be updated to reflect the accurate changes. I asked for all documentation to be mailed to my attention @ XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. 

Synchrony Bank/ Care Credit has never responded to my inquiry nor did they correct the matter. Synchrony bank by Federal law is obligated to respond to my inquiry in a specified timely matter of which was not done. 

See attached copy of my dispute that was mailed certified receipt to Synchrony bank/ Care Credit on XX/XX/XXXX as well as I have additional information for your review as well. 

1. Cert Mail XX/XX/XXXX which is the purchase receipt for the certified mail # XXXX. 

2. Cert Mail XX/XX/XXXX Page 1 of 6 pages is my copy of the USPS certified receipt sent, Page 2 of 6 is contains my dispute letter to Synchrony Bank, Page 3 to 5 contains a copy of my XXXX  credit file listing the incorrect account, Page 6 of 6 contains a copy of my drivers license. 

3. USPS Tracking Receipts- this shows the date and time that Synchrony Bank/ Care Credit received my certified letter XXXX XXXX containing my dispute.

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 2019-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion is reporting incorrectly a collection in the amount of {$11000.00} on XXXX XXXX XXXX partial account number XXXX. The original creditor is XXXX XXXX XXXX. ( Please see page attached from my credit report. ) After my original lease expired I moved from the apartment complex. My account upon leaving was in order and in good standing. I never signed a renewal lease agreement and clearly XXXX XXXX XXXX has made an error and attached this collection to the wrong person and account. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

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 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: AZ

Complaint narrative:
Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. 

Debt Collector : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX  XXXX XXXX   XXXX, FL XXXX XXXX On behalf of company by the name of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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