vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
The alleged debt is from a previous landlord and this matter was resolved in XXXX XXXX Municipal Court under Case No. XXXX  XXXX  XXXX via Magistrate Order on XX/XX/2019. The landlord attempted to file an eviction, I placed the money in an escrow account in court and filed a counterclaim against the landlord because 1 ) I had documentation showing that the rent was paid as agreed 2 ) they charged an illegal eviction fee to my account 3 ) I had sworn affidavits from tenants who experienced the same deceptive business practices from this landlord. I entered into an agreement with the landlord 's attorney to dismiss my counterclaim and they would dismiss their claim if I moved out of the unit " on or before XX/XX/2019 '', which I did. Even the money in escrow was returned to me, as opposed to being granted to the landlord. The Magistrate 's Order states " PURSUANT TO SETTLEMENT BETWEEN THE PARTIES DEFT AGREES TO VACATE THE PREMISES ON OR BEFORE XX/XX/XXXX. 2019. THIS ENTRY DOES NOT PRECLUDE PLTF FROM RECOVERING FUTURE DAMAGES BEYOND NORMAL WEAR UNDER CHAPTER XXXX OF THE OHIO REVISED CODE THAT IT MAY SUFFER. '' The landlord has submitted ( significantly inflated ) charges to the credit bureau that were not to be included per the agreement and magistrate order. I disputed this with the credit bureaus. XXXX  removed the debt, XXXX  and XXXX  have not. I have contacted the collection agency directly to dispute the debt, they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have redlined areas in the attached XX/XX/XXXX and XX/XX/XXXX correspondence from Discover. In the XX/XX/XXXX letter, Discover advised you were advised concerning your requests for call transcripts and bank account information from your XX/XX/XXXX, CFPB correspondence, that we will not be providing this requested information. This protects Discover to make the following statements below. 
Also in the letter, Discover claims the returned payments to be valid. This is a false statement. They were not valid payments since I did not approve nor make payments. In the XX/XX/XXXX letter, Discover claims due to your financial institution advising they were unable to locate the bank account ending XXXX. These are also false statements. This was not my financial institution. 
Discover is making false statements in line with their refusal to supply the bank account information and transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
FNB Omaha Credit Card closed my account without my consent. Had no issues with account, no late, no negative marks. Company proclaims previous discrepancies algorithms to determine closure. By doing this it may impact my credit report, my credit score has increased and improved, no real true reason but to close my account, other than coded remarks. Will never do business with this institution again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to GM. 

On XX/XX/XXXX I asked GM for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that XXXX laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to GM ( attached with proof of fax delivery ) and after 30 days I have not had a response from GM or from XXXX  XXXX  or XXXX  and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the GM reporting is inconsistent or incomplete ( 2 ) GM did not respond in 30 days AND ( 3 ) GM provided no documentation they met XXXX  laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent numerous certifies letters to all XXXX major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: LoanCare, LLC
State: CO

Complaint narrative:
Loancare We have never been late on a payment. They have had money sitting in our escrow for years now and keep reporting us late on credit bureau. Never refunded our money or applied. They have never fixed on our credit report either. Showing 20 late payments, when we have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have sent a debt validation request In XXXX and again in XX/XX/2020 directly to the companies, after I had requested these creditors be removed from XXXX, XXXX  and XXXX. The reporting agencies list the debits as verified and when I asked for what info they received to verify these debits being valid they told me that I was not allowed to have this information. I then asked what qualifies a debit to be valid per there agency 's procedure, again told I could not be told that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received numerous calls from XXXX ( XXXX XXXX XXXX. I decided to call them back because it was frequent. Normally, robocalls are not repeated from the same numbers. 
- said they are from Credence Resource Management - he asked for my name - kept asking me to repeat myself. Couldnt hear me - Asked for my address and then my prior address - asked for my last 4 - told me it was an attempt to collect debt in XXXX. I told him I never had them. He told me it could be mistaken identity. 
- he wanted to ask more questions and I got suspicious - I asked him if the call was being recorded. He said yes. I told him he never mentioned that from the start. 
- I told him I think they are a fraudulent organization and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got notified from credit monitoring agency that my care credit account was closed. I contacted synchrony bank. They informed me it was closed due to information on my credit report, however my credit score is higher than it was when they approved me for the account. I have the same income, same amount of debt everything on the report is what was on there when they approved me for the card. I never ever am late with my payments and pay balances off in full within a couple payments. I have an exceptional payment history on all my accounts. This is my reward for paying everything on time ahead of time. What they did impacts my credit report negatively and thats not a fair business practice. Synchrony bank has numerous complaints filed online for doing this to numerous people. I got the card a year ago and as you see from attached screenshot my credit score has gone up not down. Nothing else changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: IN

Complaint narrative:
Transunion score is 60 points kess that XXXX and XXXX. They have tge same 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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, Gregory Funding LLC ( " Gregory '' ) acquired the servicing of the subject mortgage ( the " Mortgage '' ) from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ..The Mortgage was modified by a Modification Agreement dated XXXXXX/XX/XXXX ( the " Modification Agreement '' ), a copy of which is attached to this complaint. The crux of this complaint arises from the interpretation of the Paragraph 3C of the Modification Agreement, which appears on pdf page 9 ( page 2 of 2 ) of the Modification Agreement, This Paragraph provides for a {$77000.00} principal reduction ( the " Deferred Principal Reduction '' ), one third of which shall be granted in the " first, second and third anniversaries of XX/XX/XXXX '' of the Modification Agreement, " provided I am not in default of my new payments SUCH THAT THE EQUIVALENT OF THREE FULL MONTHLY PAYMENTS ARE DUE AND UMPAID ON THE LAST DAY OF ANY MONTH, ON EACH OF THE FIRST, SECOND AND THIRD ANNIVERSERIES of XX/XX/XXXX [ emphasis added ]. '' Because of a change in bank accounts, the prior servicing agent ( XXXX ) did not process the XX/XX/XXXX payment until XX/XX/XXXX. Gregory has interpreted this one late payment to constitute a default under the terms of the Modification and refuses to grant the second portion of the Deferred Principal Reduction, constituting the sum of {$25000.00} ( one-third of {$77000.00} ). Gregory claims that since the XX/XX/XXXX payment was processed three months after the due date, I was in default of three full monthly payments, even though I paid the XXXX and XX/XX/XXXX and the XX/XX/XXXX payments when due. Despite numerous telephone conversations and letters, Gregory improperly refuses to grant the {$25000.00} principal reduction. I have attached my letter to Gregory dated XX/XX/XXXX ( see the date the top of page two of the letter ), Gregory 's response letter dated XX/XX/XXXX, and my attorney 's letter to Gregory dated XX/XX/XXXX. Neither my attorney nor I have received a satisfactory response to these letters or the requested principal reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am very responsible with my credit, I have XXXX worth of it I pay my credit off every month I use sometimes more and sometimes less, but always use it and always pay it off, I make 3 or 4 payments a month on a average to make sure its fully paid.experian has been quite harassing, to the point of closing accounts on my credit report that were clearly open, I get a email telling me congratulations on a 8 month streak of paying off your accounts in full, I check and they dropped my score another 10 points, I am a XXXX American conservative and feel as if I've been intentionally discriminated against, my score has gone from a XXXX to XXXX for paying my accounts off every month and making multiple payments a month on these accounts.i have spoke to my lawyer and may possibly file a separate lawsuit, this is un-American XXXX is my experian customer account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. 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 2020-11-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a second written request, requesting the Method of Verication of their investigation results per FCRA. It has been more than 15 days since I sent my inquiry, but I have yet to receive a response. 

On XX/XX/2020, I submitted a complaint to CFBP calling them out on their violations. They closed my complaint and responded, that my complaint regarding their investigation procedures does not appear to have been sent directly by ME?? How did they even determine it was not sent by ME??? or what procedures did they use to determine this? This XXXX me. I have included all docs needed so they can verify my identity, I even got all my docs notarized. 

This an insult and straight-up humiliation. Just because I am an educated person who knows their rights and what I'm talking about. I have kept a log and copy of all communication between Experian and me. This is stressful and it's causing an emotional toll on me. They are not following the law and I wonder how many people are they doing this to? These unreasonable reporting procedures and investigations have really damaged 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
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I Paid Mr.Cooper ( Who is servicing my loan ) XXXX dollars extra above the agreed mortgage payment. The extra XXXX dollars should have been applied to the principal, yet Mr. Cooper without any authorization made a double insurance payment to the home warranty account, in the amount of XXXX instead of the normal XXXX, and only applied. I called them and requested them to reverse the payment, but have failed to reverse it or reduce my principal in the amount of XXXX. After three attempts to get this corrected, Mr. Cooper informs me they are unable to reverse this payment due to it's been paid to a third party. My account was not outstanding, and I am not being charged interest on the home warranty, yet Mr. Cooper paid my home warranty to continue to keep their loan gaining additional compounded interest on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: IA

Complaint narrative:
On XX/XX/20, I paid {$350.00} for refrigerator parts from XXXX XXXX XXXX XXXX XXXX. On XX/XX/20, I disputed the charges with my credit card company, Chase, since the repairs were never performed and the merchant had ceased communicating with me. On XX/XX/20, Chase ruled in the merchant 's favor because " the services were received or available to use '', which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On Saturday XX/XX/2020 at approximately XXXXXXXX XXXX I attempted an ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, IN from my Venmo checking account for {$260.00}. The ATM displayed a message that I did not have sufficient funds, although my balance showed {$270.00} available. I tried the withdrawal a second time and received the same message. I removed my card and no money was dispensed. Approximately 15 minutes later, the {$260.00} was deducted from my account. I immediately reached out to Venmo Support and was advised they would look into it because they show the money was dispensed. On Monday XX/XX/2020 I contacted XXXX XXXX XXXX  and they verified that the money was not dispensed to me. Venmo still has not returned the money to my account and efforts to communicate with them have not gotten any reply.

Company response to consumer: Closed with monetary relief