vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
In XXXX I graduated from XXXX XXXX XXXX. During my time there I instructed the bursar I was not at all interested in private student loans, only federal, and the only loan documents I physically signed aligned with that fact. I never signed any form requesting private loans for my education at any time. 

Starting in XXXX, I start receiving notices from Activate Financial about an outstanding loan from FA Peaks that has been accruing late fees and interest over the course of two years after the forbearance time ended after my graduation, with no prior notice of debt due. I never heard from this company nor any other regarding private loan debt until the purported loan had already accrued a healthy proportion of the initial principal in fees. I understand I have 30 days after the notice of a debt to dispute the validity of it, but how can I dispute it if the notice doesn't come until two years after the forbearance window? This is clearly fraud on the part of XXXX, a charge specifically for which it was shut down permanently, and Activate Financial is attempting to collect a fraudulent debt. 

Activate Financial nor FA Peaks can reproduce any evidence with my signature of anything I signed permitting this loan. Activate Financial will respond to this complaint only with a collection notice, included here, and a form letter indicating a debt is due as their only defense, which is both lazy and indicative of their dishonesty. This is a bad debt that they continue to pursue in bad faith, and has crippled my credit worthiness for too many years. Please do not let them merely send a form letter indicating this is my debt to close out this complaint, as that will be their only response because they know they can't support their claim with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Leap Credit, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX Leap Credit withdrew two XXXX payments from my account. Now I havent heard from this company in over a year. The last email they sent me about this account was XX/XX/XXXX. We are currently in a pandemic and they knew people were getting stimulus checks so they went in and just grabbed money not knowing that Im not working because I live in the state of NY so Im furloughed. Its crazy that they have not received a call or letter from them in a year and all of sudden I see two charges on my account. Dont they have a time frame they have to stop withdrawing from someones account and dont they have correspond with you that they are pulling money from your account? Because they didnt send any type of notice to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX SWBC Mortgage Corporation Sr. Loan Officer | NMLS # XXXX | GA # XXXX | XXXX # XXXX Shared my personal and confidential Financial information without my consent on XXXX and caused my family extreme stress due to her unethical actions.

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 2020-04-24 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: AZ

Complaint narrative:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. Trans union, XXXX, and XXXX. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX  this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.

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 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke with an employee at Pendrick Capital LLC and she was very rude. She would not give me an email address, fax number, or her full name. She over talked me the entire time so I asked to speak with a supervisor. This company has repeatedly outsourced a Medical account that does not belong to me and reporting this inaccurate information onto my credit report. A Supervisor contacted me on XX/XX/XXXX. She stated her name was XXXX. After researching the company I find out that her name was XXXX XXXX. She would not give me any transparency pertaining to the company and she deceived me with a fictitious name. She also called me from a New York area code when this company is based out of Virginia and XXXX. She also did not want to give me an email, fax number or full name. Ive been a victim of identity theft and I told this company this 2 years ago. They removed it from my credit after sending them a police report but they continue to shop this account around to different collection agencies that are putting this account on my credit report. This company has a tremendous amount of lawsuits and continue to operate in an illegal matter and needs to be shut down. There website is very vague and gives not much information. 

They have placed a XXXX and XXXX medical account with a company called XXXX XXXX XXXX and it appears on my credit report as if I opened it on XX/XX/XXXX. This is inaccurate and its breaking the FDCPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX, I phoned Chase Credit Card Claims to notify the Bank of a potential dispute involving charges assessed during that month and the previous one by a landlord that charges " accelerated rent '' and had been endeavoring throughout my three-and-half years as a tenant -- as such landlords are wont to do -- to manufacture a pretext for either evicting me or forcing to vacate prematurely in order to maximize the illicit profits to be derived from Clause # 27 of the Lease Agreement that allows the landlord to collect the full rent due under the remainder of the original lease term if a tenant breaks the lease without the landlord 's permission for any reason, without any obligation to re-let the apartment after the tenant vacates. I was told by the Bank at the time that the credit card payments I had made could be disputed to reflect funds owed to me by the landlord and the Bank had me " covered '' in the likely event that I was not able to come to terms with the landlord. Nonetheless, when I followed up with the Bank the following month to formalize my disputes upon being forced to vacate on XX/XX/XXXX after the landlord falsely alleged on XX/XX/XXXX that I was a holdover tenant without assessing the double-the-rent penalty provided for under Clause # 12 of the Lease Agreement in the event of holdover tenancy and demanded that I vacate my apartment within ten days ( my initial lease term had expired at the end of the previous year, at which point I became a month-to-month tenant while addressing fallout from the sudden demise of my mother on XX/XX/XXXX from XXXX XXXX ), I wound up ultimately being informed by the Bank on XX/XX/XXXX that the charges were valid, despite a 70 page fax sent to the bank on XX/XX/XXXX containing details regarding both the funds owed to me by the landlord and the relentless efforts of the landlord to extort me into paying a fraudulent debt through willful negligence and systematic abuse. Furthermore, the new ( as of XX/XX/XXXX ) Georgia Code 44-7-24 allows landlords who engage in retaliatory conduct to be penalized as much as {$500.00} and one month 's rent ( or {$580.00}, in my case ) for each separate incident of retaliation in response to tenants reporting a landlord 's negligence to local or federal authorities, which is what my landlord did with me when I reported a toxic mold infestation caused by water damage in my apartment to Municipal Code Compliance on XX/XX/XXXX and also on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Recived a notice from XXXX XXXX XXXX XXXX ON THE BEHALF OF Portfolio Recovery Associates about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: N26 Inc.
State: CA

Complaint narrative:
N26 frozen my account. I can not send funds out, use my card, withdraw, etc. I requested to speak with a supervisor and he stated an account thats under review would only take a few days. Its been more than 4 months now and still no results for an account being under review There is about {$5000.00} in there and I still have no answers. Every time I call in now, I cant even get to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-04-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My son purchased a motorcycle and I co-signed a loan for him thru Synchrony Bank. He is the account owner and had been making regular payments. The bike was defective and he voluntarily surrendered it to Synchrony Bank. He signed the Voluntary Surrender Form and Synchrony Bank accepted the bike. I contacted Synchrony Bank and they acknowledged they had the form he signed. They indicated that the bike had not yet been transported from where it was located, due to the coronavirus pandemic. They also refused to remove the incorrect information from my credit report. As the bike is now in full possession of Synchrony Bank, which they accepted fully, any other issues pertaining to it, are only between Synchrony Bank and my son, not me. I can not get a job or mortgage unless Synchrony Bank removes the negative and incorrect information from my credit 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 2020-04-24 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: NY

Complaint narrative:
fraudulent accounts reporting on my personal credit report, I am a victim 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
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
This situation is in regards to the CoVid-19 pandemic that we are all experiencing and trying to get an extension on my mortgage payment. I am currently not working and have applied at several places but no one is interviewing at this time because of the CoVid-19 stay at home order. 
I contacted my mortgage company and explained the situation and they have nothing in place and they were not willing to provide any relief. They did offer a delay for 3 months but the delay would then be a one time balloon payment of all 3 months. I told them that I was not working and if I could make the 3 payments at the end of the 3 month delay, I would not need a delay. I even referred to some of the guidelines that CFPB has posted, along with the information from the XXXX  that has requested that mortgage companies give some relief. They referred to this as a forbearance, by definition, this is not a forbearance. So they were using terms that are misleading and deceptive. 
My mortgage company told me no, that they do not do that and their tactics to get me to the balloon payment was misleading and deceptive. In essence they were lying to me about how it would worked, which I feel was due to the fact that I have quite a bit of equity in my home, They even made the comment, that the pandemic was not their fault, so they should not have to do that. 
The person I talked to at GMFS was named XXXX. 
I even contacted my US Senator 's office to get assistance and they referred me to this site and to file the complaint. 
My contact info is XXXX, XXXX My mortgage company is : GMFS Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CA. 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 2020-04-24 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: RI

Complaint narrative:
I was the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. 
There are 4 accounts that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 4 fraudulent accounts are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX Account. I have disputed all of these with the proper documentation and experian is the only credit bureau not following the FCRA for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I was charged for over {$7000.00} for services. I have contacted the collection company and they are saying it went through insurance. The insurance company when contacted says they do not have the claim. Neither have correct documentation or prices. This is unfair and deceptive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have provided transunion with my correct name and account information 5 times since XX/XX/XXXX. 

Mail XX/XX/XXXX, Certified Mail XX/XX/XXXX, Phone call XX/XX/XXXX Priority mail XXXX/XXXX, Online dispute XX/XX/XXXX, Call XX/XX/XXXX to XXXX, Call XX/XX/XXXX XXXX My name and addresses are NOT correct I have provided my ID and my divorce decree by mail. I have accounts on there that are not reporting correctly, and they have my student loans as negative accounts. I have never missed a payment, if they are deferred or in forbearance they are not late or delinquent. 

I did my online dispute the company said you would be able to upload documents on XX/XX/XXXX it did NOT let me upload but said could fax if issues or Transunion needed me to provide information. I called on XX/XX/XXXX & XXXX-The agents last one XXXX did not even take my information refused just asked what I needed. Both refused to give me a fax to provide ID and divorce decree to although the website confirms they have a fax number. 

Transunion is being allowed to report information that negatively impacts both my credit score and my ability to purchase things or gain credit I need for myself and my children ; especially during COVID-19. They are doing so by not acknowledging items such as government issued IDs and divorce decrees to fix these issues.

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 2020-04-24 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: NY

Complaint narrative:
fraudulent accounts reporting on my personal credit report, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NY

Complaint narrative:
fraudulent accounts reporting on my personal credit report, I am a victim 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
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have been disputing this debt for months. I have never received any documentation from them regarding this alleged debt. They are reporting false and inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: KEYCORP
State: OH

Complaint narrative:
Early this year, I received a credit card, which I thought was attached to an existing KeyBank joint checking account. I activated the card and charged {$4.00} at XXXX XXXX. All cards associated with our accounts at KeyBank are paid, in full, on line and on time. In XXXX, I received a letter, indicating " the minimum amount due '' was not paid. I spoke with customer service representative, XXXX  ( ref XXXX ), who told me this is an unsecured credit card, not associated with my personal checking account. As I had not requested such a card, I asked that the card be cancelled and the account closed. I asked him to remove the late fee, as I never received a statement. He said it was an " on line '' process. I asked where this account exists on line, as this card is not showing when I log onto the KeyBank site. I asked for a paper statement so I could pay the {$4.00} owed. I received a letter about a past due account instead. I called customer service again today and was told by XXXX that the call with XXXX was " not properly closed '' so, although the account was closed, no statement was sent and I could get the information on line. I asked if she could tell me how to access this, she said she could not and transferred me to another representative. The call was dropped after our initial introduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
This is NOT a duplicate complaint. 

I received a call from Midwest recovery systems in regards to a payday loan I allegedly received in 2013. Company stated account will not be reported to credit bureau. I received notification it is reporting to my credit files. Also, the alleged date is from 2013, and the state of Maine only allow credit items to report for six years.

Company response to consumer: Closed with explanation