vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I turned in my Infiniti XXXX on XX/XX/XXXX per lease agreement. On XX/XX/XXXX I received an " End of Lease Liability Statement '' with a {$390.00} disposition fee and another {$560.00} for property taxes. I called Infiniti Financial Services on XX/XX/XXXX regarding the property taxes and was told they would be sending me documentation that the taxes were paid to the States of Texas on our behalf. On XX/XX/XXXX I received a " Notice of Default. '' I send the payment of {$950.00} on XX/XX/XXXX without having received the documentation I requested. On XX/XX/XXXX I received another " End of Lease Liability Statement '' but the property tax amount was changed to {$760.00} and so it showed I still owed {$190.00}. Since this seemed like a scam, I once again contacted Infiniti Financial Services asking why the property tax amount changed. They could not give me an answer but once again said they would mail me documentation. Three days after this we began receiving calls from a collection agency. They have been calling at least twice a day since. They can not provide any information but just insist we owe {$190.00}. I think it was unprofessional and unnecessary to send this account to a collection agency to harass us AFTER ONLY 17 DAYS. This could be easily remedied by sending the documentation as promised!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have made a dispute with each bureau and it has been more than 30 days

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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MI

Complaint narrative:
The filing against me was placed on my XXXX  account. The collector is Assetcare LLC, the original creditor was XXXX XXXX. The Date shows XX/XX/XXXX. This is impossible. I did not live or have even visited Florida since early XXXX. I tried to dispute the charge though XXXX and they are doing nothing about it. This is either a very old debt that should not be on my report, or it is fraudulent activity ( Identity Theft ). Please review since the charge in place is impossible. I do have people that can attest that I have not been in Florida for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Student Loan Financial Assistance
State: GA

Complaint narrative:
I have repayment of my Student loan with : Student Loan Finacial Assistance https : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX : XXXX However, I have been unable to contact anyone that works for the organization. They have been retrieving money from my Bank Account monthly for about 2 years. 

I would like some one to call me because I will be returning to school in XX/XX/2021. 
I am also contacting my lawyer regarding this issue. 

I have also reported them to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During a period of financial hardship, we were unable to pay an increase of mortgage. We attempted to sell. SPS constantly gave conflicting statements and repeated request for duplication of forms and paper work. We received three offers to sell ; but all were denied. We requested a short sale option, but offers were denied. We also attempted to request a deed in lieu of foreclosure also denied. We contacted the attorney representing the foreclosure sale to request a postponement in order to allow for time to complete a sales offer received, but that was denied. Our RE agent, XXXX XXXX, will be our witness to the frustration and confusing correspondence we suffered while dealing with SPS, Inc. During that time, neither she nor I ever spoke to the same person twice, and none of the representatives we communicated with were familiar with or knew anything about the situation we were attempting to resolve. Every phone call ( at least 2-3 a week ) required us to explain the entire situation over and over ; without any probability of a proposed solution. I have documentation of over 600 pages to support our complaint, including all letters and requests sent to us, repeatedly asking to duplicate information, all offers and contracts from our real state agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Thank you taking the time to review my application. 
I have attached 2 letters to this file to include the detail in my matter. 
The essence of the problem is Wells fargo lacks follow up and follow through. I have been trying for over 9 months to resolve my mortgage with Wells fargo following a forbearance program tied to loss of employment due to Covid 19. While I was able to complete the process on my first loan, the company has not been forthright in supplying accurate information on the second loan. Both of my mortgages are up to date -- However Wells fargo wants to increase my rate to 3 % instead of modifying the loan.

I have spent over 100 hours speaking to multiple people only to get the run around. Several of the representatives contradicted each other, and were very condescending.

I am also finding the information I receive on the phone is completely different from the letters I receive in the mail from the bank. In fact they are conflicting messages. I feel this is done to intimidate me further.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called The Bureaus Inc. and their website is : https : //thebureaus.com/ Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
Upon bureau investigation I was notified that Lexis Nexis is reported information that I did not authorize. I contacted the court who also stated that they do not provide this information to any credit reporting agencies. I am enclosing a letter from the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is regarding Paypal. I purchased several items from a tack store online and used Paypal to make the transaction. Paypal has my credit card information so the purchase was charged to my credit card. I returned one item and the online tack store refunded the amount through Paypal which was to go back on my credit card. However, Paypal put the refund into a cash account instead of refunding my credit card. They will not transfer the refund money to my credit card. If I try to get the refund money sent to me through a check ( which would be send to my address that Paypal already has record of thru my credit card information ), Paypal states they won't send it unless I give them personal information -- - either my Bank Account number or my Social Security number. This is very disturbing to me. I believe they are trying to collect as much personal/confidential information as possible for no legitimate reason. I have tried to resolve this for weeks and can not even speak to someone who understands the english language. Keep getting representatives in the XXXX who do not even comprehend what I am trying to resolve. It is Paypal 's error and they will not fix it and transfer the refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Hello, I have received a notice from True Accord about making amends to a debt that was previously established by me. The account is reporting negatively on my credit. I was offered a settlement through email and given 6 months to make payments. I want to make an offer which is greater then what they offered me in a single payment. I am requesting a payment for deletion. I have sent emails as well as the company that is assisting me with the ordeal .... its been over a month and no one is getting back to us. I have spoke to someone via email name XXXX and XXXX. Again, I would like to pay the account but no one is getting back to me and the account is still reporting negatively on my credit. The account number is XXXX I am reaching out to you in hopes that you have another way to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to chase on XXXX XXXX in XXXX florida XXXX the ATM Jammed I bagged on the atm and then immediately went to branch to have the open the Atm the person branch was rushing and called in the claim. He never went to to the ATM and checked he never shut the ATM down. Even after I asked him. The bank put the credit back into the account on the next business day I though always good now today XX/XX/XXXX XXXX they reversed the claim stating they could not fine the money I called and asked for a manager and I wven told they need to look at the cameras at the ATM and the branch it only took me 1 min to park my car and go into the branch. The bank now is accused me because I am.XXXX single mother of stealing??? When the branch employee who is XXXX  failed to do his job. And shut the ATM down He admitted to this ATM also getting XXXX. And said it no big deal but now I am out XXXX because of them failing to do there jobs both in the branch and back office. I feel o was radically profiled and will bring this full force against the branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIDENT MORTGAGE COMPANY, LP
State: PA

Complaint narrative:
My issue is that I have been given conflicting information regarding my PMI ratio. My loan officer, XXXX XXXX, at Trident Mortgage Company, has stated my loan is XX/XX/XXXX percent. However, my new loan servicer ( XXXX XXXX ) keeps sending repeated letters stating that my PMI ratio is XX/XX/XXXX percent. 
I have made repeated calls of contact to the originator of my loan, Trident Mortgage Company, based in XXXX XXXX XXXX, to no avail. Although I have been told that the loan is for XX/XX/XXXX percent, I have not received responses from them when I attempt to speak with them. 

Differently, is when I call XXXX XXXX, the new servicer for this loan. They tell me that the loan is XX/XX/XXXX percent, but they do not know why. I have made repeated attempts to speak with them only to speak to various people in various departments and no one is able to provide me answers to my questions.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days

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 2021-02-25 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: NC

Complaint narrative:
Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2021-02-25 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: NJ

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from PRESSLER , FELT & WARSHAW , LLP trying to collect on an alleged debt with XXXX XXXX XXXX XXXX XXXX that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

NATIONAL CREDIT ADJUSTERS Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: NC

Complaint narrative:
I have made a dispute with each bureau and it has been more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have written & mailed and provided my approval of state funding to help with rents and they still are calling 24/7. 
They wont make a offer to lower each balance on XXXX {$380.00} offered {$120.00} XXXX {$540.00} offered {$200.00} I have been making XXXX - XXXX payments once or twice a month, since I found employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: VA

Complaint narrative:
Experian will not remove the fraud alert form my profile now i can not use my credit cards they have been frozen. 
I never requested to have a fraud alert on my profile this is a XXXX attack on my credit Experian is attacking an old XXXX man they are hurting my good credit when i have worked for years to have good credit!!!!!!! 

I have filled a complaint with the XXXX something needs to be dome about this our complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX dob XX/XX/ SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with JPMorgan Chase Bank, N.A. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation