vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am main cardholder for Synchrony CareCredit card. My spouse is only authorized user. He filled for Chapter XXXX Bankruptcy, and Synchrony blocked my account to make payments. I called them in XXXX to let them know that I will keep making payments, and that I am main card holder. I also called my spouse attorney who advised that they can prevent me of making payments only if Chapter XXXX is filled. I had to mail payment for XXXX, and now for XXXX they did not even mail me out statement. I have called multiple numbers ( XXXX and XXXX ) today at XXXX XXXX Eastern Time, and I am receiving answer that they are not working. My payment is due today and online access is blocked by them, so I can not make payment. I do not want to have any late payments reported on my Credit report. Last month they had XXXX people answering the phone, and I could not understand a single word they are saying. I kept asking for US rep. and was told that they do not have anyone working in US. Can you please help?

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 2021-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested Pennsylvania Higher Education Assistance Agency ( FedLoan ), to present the outcome of a pending manual review to determine if five of my payments toward my federal student loans qualify for the Public Service Loan Forgiveness program. These payments were made XX/XX/XXXX - XX/XX/XXXX. 

I have yet to receive any communications from FedLoan on the outcome of a manual review of the payments made in XXXX. It has been nearly 10 months since I have inquired about the results of this manual review with no response on the outcome or a timeline when it will be completed. These payments were also listed as " pending manual review '' for Public Service Loan Forgiveness for at least a year before I formally inquired to the status of this review. 

On XX/XX/XXXX, the latest communication from XXXX, Customer Service Associate for FedLoan Servicing, was : " Unfortunately, since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. We do not have an estimated time of when this review will be completed on your account. '' I do not find this response acceptable after nearly ten months of inquiries regarding loan payments made over a decade ago. I would like to know the result of this manual review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: OK

Complaint narrative:
On XX/XX/XXXX, I activated a new Direct Express card to receive my Social Security benefits. The next day, I found out that I was unable to pay bills with it. Ironically, all money is still there. I have called Direct Express and was put on hold for half an hour. After that, I decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
XXXX PHOENIX FINANCIAL SERVICE XXXX XXXX told me that the her reports told stated someone went there for major XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: TX

Complaint narrative:
I received a letter from Outsource Receivable Management. I received it via regular USPS mail ; it is not certified. The letter is dated XX/XX/XXXX. In the letter it demands in full payment of {$850.00}. It alleges this is a debt from XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I telephoned XXXX XXXX XXXX XXXX and provided them with my personal information ; I also told them I received a collection letter from Outsource Receivable Management demanding payment for a debt. XXXX XXXX XXXX XXXX could not find an account using my information ; nor could they locate any monies owed. They directed me to call Outsource Receivable Management, which I did on Monday XX/XX/XXXX at XXXX CT. 

I spoke with a gentleman and told him the aforementioned facts. I conveyed that I dispute the validity of the debt on the grounds that 1. XXXX XXXX XXXX XXXX can not locate any such account or debt owed in my name. 2. That I never received proper notice from Outsource Receivables Management. The gentleman then stated that in XXXX of XXXX, a notice was first sent ; He alleged that this alone constitutes that I owe a debt to XXXX XXXX XXXX XXXX. This is false and in violation of FCRA. 

I asked Outsource Receivables Management to provide me with a statement from the bank ; with my account information and my name to prove this account not only exists but that I am the owner of it. Because as I have stated XXXX XXXX XXXX XXXX  has no information about such account. The representative for Outsource Receivables Management said that he can only resend the original demand for payment from XXXX. 

This is all in violation of the FCRA. 1. The alleged first notice sent in XX/XX/XXXX was never received by me ; moreover, it was not sent via certified mail. Therefore, notice is ineffective. 2. Outsource Receivables Management has not and can not provide me with information they received from the Bank that actually ties me to the account ; nor can they prove that I even had an account with the bank or owed the bank money. 3. This was verified in a phone call with XXXX XXXX XXXX XXXX collection department today XX/XX/XXXX. 

As such, absent being able to provide me with bank statements with my personal information and showing a debt owed, Outsource Receivables Management has violated the FCRA and as such should withdraw the request for payment and send this account back to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I've come to discover Portfolio Recovery Associates, LLC my name in collections with a negative reporting on my credit reports in all 3 major credit bureaus. I have asked 2 times to for Portfolio Recovery Associates, LLC to send me proof/documentation that legally binds me to the debt and have NEVER received an email, or a letter by mail with such evidence. I would like such false information to be removed from my credit file asap. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express closed my credit card. 
I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this credit card account which authorizes me as the original creditor. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to XXXX American Express. I was unable to fulfill my alleged obligation / debt. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without the consumers written permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a XXXX balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$50000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. PURSUANT to 15 USC 1681 ( 2 ) ( b ) 'any authorization approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded for a consumer report. The definition of credit card under 15 USC 1681 is the same as it is under 15 1602 ( 1 ) which is 'the term, credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this occurrence, the CONSUMER, myself, and ORIGINAL CREDIT refers to Social Security Card aka Credit Card. CONGRESS stating 'ANY CARD '. In this case i used my credit card to originate the Consumer credit transaction with my American Express Credit Card. I am demanding my credit card be reopened with a {$6000.00} credit limit and a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH EXPERIAN IT NOW APPEARS THROUGH THIS NEW COMPANY XXXX XXXX AND IS 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 non-monetary relief
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I received my credit report on XX/XX/2021 and noticed that there is a charge-off on my credit report from Acima Credit XXXX XXXX I've never had any business with this company. 

There isn't a address or a phone number to contact them I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Financial Guardian, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by MERCHANTS FINANCIAL GUARDIAN , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor. 

This situation for me is so hard, XXXX cant sleep. 

Account Information : Account name : MERCHANTS FINANCIAL GUARDIAN Account Number : XXXX Date Opened : XX/XX/2018. 
Balance : {$3500.00} Solution : delete my account from all credit bureaus and waive the balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My name is XXXX XXXX.On XX/XX/21, I Applied for a bank promotion from BMO Harris bank that I saw on the internet.It promised {$500.00}. for enrolling and completing direct deposits of {$7500.00}. within a ninety day period.It seemed like a great opportunity so I applied and was accepted. I was given a promotion code and proceeded to change my direct deposit information with my employer.After my first direct deposit went through I was informed by BMO bank that I didnt qualify for the promotion due to the state I resided in ( Michigan ). Indeed, when I went back over the fine print in the offer the state exclusion was mentioned.However, I feel that when I filled out the application, including my correct address, I should have been rejected immediately rather than be told I was accepted and awarded a promotion code ( see attachments ). 

Defrauded is too strong a word but I certainly felt misled and I feel that I cant be the only consumer who has experienced this.It is a simple solution to change the application process to prevent this from happening.I am a XXXX XXXX XXXX woman supporting my XXXX XXXX XXXX husband and my XXXX XXXX XXXX husband and needless to say every penny counts.I look for any way I can to supplement my income. 

I would ask that I be awarded the {$500.00}. promotion due to my completing the direct deposit requirements, acted in good faith and was unnecessarily confused by the banks application flaws and BMOs misleading response of awarding a promotion code. 

XXXX 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 explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
In 2019, I had a television and internet service account with XXXX XXXX XXXX for several months. Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. Several months later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX several times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a few more months, XXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the credit reporting agency agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over 2 years from different collection companies and each time the credit reporting bureau has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the credit reporting agency. At this point XXXX XXXX XXXX is harassing me without due cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: VA

Complaint narrative:
On my wifes and my credit report the bank reported us 60 days late on XXXX for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid 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 2021-10-04 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: VA

Complaint narrative:
On my wifes and my credit report the bank reported us 60 days late on equifax for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: WI

Complaint narrative:
We are submitting this complaint as the sellers of a property for which our buyer is using PRMG. My husband is a combat wounded Veteran and the purchaser of our home is also a Veteran. This process originated in XXXX and we still have not closed on this transaction, leaving our family with XXXX toddlers homeless. A water test ( as required for VA loans ) was not ordered during the original inspection on the property that took place in XXXX and this was discovered while trying to obtain a clear to close the week of XX/XX/2021. Once this happened, the loan officer ceased communication with the buyer and left all parties in the dark forcing us to push back closing on our business to be purchased and home- leaving us with potential losses of nearly {$50000.00} in escrow and a stacking hotel bill. The company has refused to make an exception for their oversight and has taken no accountability for the financial ruin that they have caused us. They have not acknowledged what can be done to assist and have made it clear they have no plans to. I would asked that the CFPB do a formal investigation into this and review if PRMG should be allowed to originate VA loans given their disregard for service members and their families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
After being rescheduled for unknown reasons, my settlement was on Friday XX/XX/XXXX at XXXX XXXX eastern time. My only disclosure was sent to me on XX/XX/XXXX. I signed all the paperwork for the settlement but was not given a copy prior or after the settlement of the updated Closing Disclosure which has changed from cash back of {$46000.00} to {$43000.00}. So I was expecting cash back of {$43000.00} but only received a deposit of {$41000.00}. 

On Saturday, XXXX I spoke with a manager XXXX XXXX. He tried to tell me that the difference was because I had delinquent taxes, which is untrue, I have no delinquent taxes due. I do have taxes due on XXXX so he told me that that was the difference they paid my taxes in advance. He could not explain why I only got cash back in the amount of {$41000.00} since my Closing Disclosure stated I would be getting {$43000.00} cash back. 
Today, XXXX I receive an updated closing disclosure stating that they paid 2 quarters of my taxes upfront and the new cash back amount was {$41000.00}. No one ever called me back to explain. I feel that I should have been told that they would be taking 6 months of taxes out upfront and not after the settlement. How is it legal for them to change the Closing Disclosure so many days after the settlment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
On XX/XX/2021 Infiniti of XXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.

Company response to consumer: Closed with explanation