vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took out a title loan on my XXXX XXXX XXXX on XX/XX/XXXX. The loan was for {$6800.00}. I have made the following payments to Title Max XX/XX/XXXX {$890.00}, XX/XX/XXXX {$880.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$2100.00}, XX/XX/XXXX {$1700.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$1000.00}. 

I was told that I still have a balance of {$4100.00} as of today XX/XX/XXXX. My truck has been repossessed twice and I have paid what they asked for. It is the only vehicle I have. From my understanding when they closed Title Max in CA they were going to stop the interest on all CA loans. I have paid {$12000.00} and I still have a balance? This just seems impossible. This has been a nightmare for me! Can you please help me solve this issue. I was told that I am only able to make {$1000.00} payments because of my bad payment history with them. Is this legal? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: MD

Complaint narrative:
I have requested XXXX of XXXX from Experian and have not yet received a response from Experian verifying or validating the bankruptcy listed on my credit report. Experian did not respond or complete the investigation of the disputed bankruptcy within the required timeframe as outlined by the Fair Credit Reporting Act ( FCRA, U.S.C. 1681 et seq. ). I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting Experian provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the thirty ( 30 ) days to complete investigation and response with the Method of Verification began. As of XX/XX/2021, the XXXX grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I sent Experian a follow-up letter via certified mail to ensure deliverability requesting their Method of Verification. On XX/XX/2021, at XXXX p.m. the letter was delivered, to date I have not received a response. Experian has failed to provide me with the requested information I am entitled to under the Fair Credit Reporting Act. Therefore, I would like Experian to delete the unverified item from my consumer report and refrain from continually reporting the unverified 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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Chrysler Capital added a derogatory mark on my credit report ( XXXX & XXXX ) Upon further research, the debtor could not provide me with NO ORIGINAL SIGNATURES nor contract. Debtor did not verify this collection. There hasnt been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and in fact anyone can send a bill and say its mines. According to the FCRA, Chrysler Capital has violated my rights for YEARS as a consumer and I am requesting legal action to remove this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas BBB and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them.

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 2021-07-12 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Someone used my identity to get credit with synchrony bank/paypal 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 non-monetary relief
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was in Macy 's Department Store on XX/XX/2021 shopping with my Macys Platinum card to buy a suit. When I went to pay for the Suit the cashier talked me into opening a Macys American Express Card. He explained that i would get a discount on the suit and that the Macys American Card I could use anywhere not just Macys. He said I would receive my new Macys American Express card in the mail along with the bill and the discount on it .. TodayI just received A New Macy 's Silver Card not a XXXX XXXX XXXX and no bill, Since I already have their Platinum card I have no use for the Silver Macys card. I called Macys about this and they told me that this happened because XXXX XXXX turned me down so they opened the Silver Macys card. Prior to my visit to Macys that day my credit score was XXXX. Now I did not ask for that Silver Macys card and I am sure it will affect my credit negatively. If XXXX XXXX turned me down they should have notified me and after that Macys should have asked me if i wanted the Silver card. Not take it upon themselves to open a Card I did not ask for. I put in a complaint with Macys i spoke with a supervisor ID # XXXX and she explained what happened but she could not change it that i would have to keep the card. I Have had a Macys card for 10 years and never had any problems with my credit. I was told that I was getting an Upgrade on My Macys Card To an XXXX XXXX card. I was Lied to.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a better business bureau complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida  address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XXXX XXXX, 2020 is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in XXXX  my entire life except for when I moved to XXXX  at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit. My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not 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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay servicing took over from XXXX XXXX  on XX/XX/XXXX and their first mortgage statement and subsequent statements have been substantially in error from the beginning. In XXXX of XXXX we were granted a COVID Forbearance by XXXX XXXX due to unemployment. Despite this forbearance we brought the loan current in XX/XX/XXXX although unemployment continued. We were informed by XXXX that COVID forbearance was granted for 180 days with an opportunity to extended another 180 days if necessary. However, when an extension was requested and unemployment support documents on XX/XX/XXXX were submitted that request was ignored. On XX/XX/XXXX, XXXX requested a fresh " wet ink signature '' from XXXX XXXX. It was immediately submitted. On XX/XX/XXXX additional documentation including bank statements and unemployment award letter were submitted. We stated at that time that we had 2 payments in savings and new income lined up. On XX/XX/XXXX we received a welcome letter from Fay Servicing. We immediately made contact with Fay customer service and explained that we were in Forbearance and expected to begin regular payments on XX/XX/XXXX and needed to have a repayment plan for the Forbearance arrears amount. On XX/XX/XXXX we submitted a borrower assistance form and pointed out that the Fay monthly payments and arrears amount on their statements is in error. On XX/XX/XXXX We filed an appeal after receiving an offer of Deed in Lieu of Foreclosure rather than a repayment plan. 

The following is a copy of the appeal to Fay Servicing on XX/XX/XXXX which captures the essence of our complaint : 1. The monthly payment amount listed in our Fay account after transfer from XXXX is significantly in error. The stated payment amount in the Fay account is {$7600.00}, which ties to no aspect of our original mortgage note or any modification since, with a past due amount of {$91000.00} while the actual billing amount from XXXX has been {$4300.00} which would make the arrears amount {$51000.00}. I have previously sent copies of the XXXX statement to XXXX XXXX and asked that this mistake be corrected. We do have the asset base and income to service a payment of {$4300.00} plus an additional amount if the loan were modified or a repayment plan established. However, if underwriters used {$7600.00} as the monthly payment amount they yielded a decision about forbearance repayment based on erroneous information to begin with. Nobody at Faye has been able to state where their billing amount comes from.

2. No opportunity to cure the loan has been given since the COVID Forbearance period ended. Payments have been offered by us at the correct {$4300.00} amount. However Fay has refused payments because their system shows the incorrect amount due. A reasonable opportunity to cure the loan after COVID forbearance with accurate payment information is a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember inXX/XX/XXXX a collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages

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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am with Pennymac Loan Servicing. I received a notification that my home was going to be foreclosed on XX/XX/2021. I checked my bank account and all payments had been made. I called Pennymac and they ask me if there was a special reason why I made my XXXX payment on a Friday. I responded that the payment was due on a weekend so I made it early. I was then told that because it came early and was short it went to principle. They said that there was an escrow analysis completed in XXXX and that my payment went up. I let them know that I never received a notice of the payment increase and I was told that it was uploaded into my online account, which I have never used. They then told me that my XXXX payment was also short and that payment was placed into suspense. When I asked how short I was they told that both payments together were short {$33.00}. They put me into foreclosure for {$22.00}, I could not believe it. They did tell me that I had two late payment fee reversals that I could use to waive the two late payments. Nice of them considering I have two loans with Pennymac for over 15 years. 

My XXXX payment was made before I could I could change the automatic payment amount from my bank so I went to the Pennymac website and made a payment for the difference. I received a notice from Pennymac that my additional payment was return by my financial institution and they put me back in collections for the {$11.00} I still owe. I called my Bank, XXXX  XXXX XXXX, and they commented that no payment had been returned. So now I am on the phone again with collections for {$33.00}, there systems are down so they told me I have to call back. I told them I was going to notify the CFPB and guess what they called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Westlake Services, LLC
State: RI

Complaint narrative:
Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more

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