vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX is in the business of financing guns from various gun shops, manufacturers and other companies that sell guns. I financed a gun with XXXX and have been making payments now for almost a year and the principal balance has only decreased by approximately {$300.00} and my monthly payment is {$140.00}. I have come to realize that XXXX has taken me for a good ride with their extremely high interest that they charge on these loans. After this loan on the initial amount of approximately {$1400.00} when all said and done I will have paid double the price of this weapon and this is wrong! 

After realizing how this company is ripping off me and thousands of other people who get financing with XXXX  I want to bring this to light to the CFPB and to alert the population on this awful business practice. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Covid and divorce happened. they call 9-10 times a day.

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 non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Hi I just requested a new card number because my wallet was missing and the police dept found my wallet the next day and received my credit card 2-3 days via XXXX and I cant use my credit card at all and it was declined for small amount at a restaurant and now I have to request documents for a phone number verification and my card is blocked and I called Nordstrom and try add my card for XXXX  XXXX   but they took too long and I hang up the call so I can talk to my girlfriend I havent been seeing her for a few months ... I dont like to be on hold for over 5 mins and I got things to do.. and I cant use my card ... the phone number that was on my account for years ... And Nordstrom has wasted my gas money to come to a location and verified my  identity this is XXXX and I have things to do!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I reached out to XXXX XXXX XXXX Regional Manager. ( XXXX XXXX ) Office manager refused to accept payment for XX/XX/2019. 
I explain to her its not fair. 
There system twice had a system error. And they would send out eviction notices to tenants. Even if they had paid rent already? And know that I was late on payment. They refused to accept it? She at first Apologize and said she would fix it. 
Than she said XXXX premises Manager would contact me? 
Than we had a telephone meeting. 
And she said XXXX manager At premises was guaranteeing I have been late before on payments? 
I told her look at payment history yourself. 
She said move out in 5 days. And will keep it like you voluntarily turned in Apartment. I did found a new place to stay And started my new rental agreement On XX/XX/2019 so how can They report Me and say XXXX behind in my rental payment. Since XXXX Causing me stress and physical problems Especially know that we are in an epidemic disaster. That is a lie. 
And when I was there I witness Tenants moving out 3 times a week. 
What really goes on there is ridiculous. 
XXXX which was an employee there. 
Telling her children things about tenants. 
My kids got told what are you guys doing In the area if you guys dont lived here Anymore. If we live in the area we have every right to be where ever we want. 
Upset there premises. Driving around By my home to make sure I did lived in the area. Thats harassment ... .please look into the amount of cases this rental premises has had in the pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing about a late payment reported on XXXX, XXXX on the following account with JP MORGAN CHASE BANK : Account number : XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Credit limit : {$20000.00} I have sent the proper documentation to Chase back onXXXX XXXX, XXXX to the fax XXXX, but I received no acknowledgement of my case. 

The reason why the account was late was because a third-party company was supposed to make the payment, in fact they sent me confirmation of the payment. 
Later, I realized that the account was reported late so I contacted them. They sent me a letter apologizing for the inconvenience, which I have attached for you. Besides that, people in home came down with XXXX, and due to this I was not checking mailed statements. 

I am requesting this late mark to be removed from my report. This was a situation that me, as a customer, could not control. I was not even aware of this. I have an excellent payment history. This did not happen because I didn't have the money to pay or even worse, because I didn't want to do it. 

Please feel free to contact me if you need further documents. I need to solve this issue as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was already under documented dispute. They stated they applied a two month billing cycle extension for Covid 19. I paid this account completely it was a small amount of under {$250.00} on XX/XX/2020 it cleared my account XXXX as attached I called back XXXX to confirm my credit was being rectified I said I would get a lawyer if need be they then starting calling me a bankruptcy client They stated calls never took place I sent them proof of such then they stated oh sorry we didnt have notes we provided coaching to our employees. I advised my credit was showing 90 days past due multiple times when I was only 60 days initially they denied that until I sent proof as of today that was rectified to 60 days thanks to me having sent documented proof multiple times This error has caused me significant financial harm and I intend to explore every legal remedy to me within 30 days if not rectified

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 2020-10-03 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: IL

Complaint narrative:
ONLY TRANSUNION HAS REPORTED THIS FRAUD ACCPUNT ON MY REPORT. 
this is the copy of letter I sent them : " RE : ILLINOIS DCFS XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response. ''

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 2020-10-03 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: WA

Complaint narrative:
Acknowledge Debt Resolution contacted me via telephone stating they had a judgement enforceable for 20 years based on an XXXX XXXX credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted XXXX XXXX security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by ADR. ( XXXX ) When I requested a copy of the judgement from ADR at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact Us Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 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: IL

Complaint narrative:
I was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.

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 2020-10-03 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:
I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: IL

Complaint narrative:
I was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: IL

Complaint narrative:
I was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.

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 non-monetary relief
Consumer complaint received 2020-10-03 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XXXX  XXXX XXXX contacted me via telephone stating they had a judgement enforceable for 20 years based on an American Express credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted American Express security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by XXXX. ( XXXX ) When I requested a copy of the judgement from XXXX  at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact XXXX Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 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: TX

Complaint narrative:
I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to 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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a loan that is currently being serviced by Loancare LLC. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} ) to initiate the forbearance. The forbearance was denied without explanation. I contacted Loancare LLC, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, Loancare LLC has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all 3 credit reporting agencies ( XXXX XXXX and XXXX  ) and continue to do so.

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 2020-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I was contacted on or about XX/XX/XXXX by a representative from Freedom Mortgage about a VA Streamline refinance program for people that have homes with a VA Loan. I explained in great detail that the property located in Illinois was tax exempt. Meaning, I do not pay property taxes on this home due to my status as a XXXX veteran. The laws for XXXX XXXX XXXX exemptions and eligibility are available on their web site. I provided Freedom Mortgage with a copy of the escrow waiver agreement that I signed with the previous mortgage company to show that the payment I make does not include escrow amounts for taxes. The closing documents did not show this change and despite my complaints the streamlined refinance was still initiated and completed by Freedom Mortgage. I have called their office a total of 12 times and sent four email messages to which I have had no response. My mortgage payment has now gone from {$990.00} per month to {$1400.00} due to the increase in collection of property taxes ( for which I am exempt ). I have been unable to get a resolution with the representatives of this company. I have attached a copy of the XXXX taxes that are due on XX/XX/XXXX which shows XXXX  taxes. I have sat on the phone for hours explaining the tax issue to representative of Freedom Mortgage only to be transferred and put on hold several times. I would like your assistance in resolving the issues with the escrow for property taxes.

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