vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX Department of Education sent a debt into collection because I was over paid on my FAFSA. They said I had 90 days to pay them or they would start taking money out of my pay check. The original amount of then debt says {$770.00}, however if i paid {$200.00} they would resolve the issue. I had explained due to COVID my work was slow. There response was you have 90 days. At 60 days they reported to the credit agencies as a delinquent account in collections. That same day I had contacted them explaining that was not our agreement. They said dispute it. Disputed it twice and denied both times. Both dispute dates with Experian are XX/XX/XXXX and XX/XX/XXXX. The account is reported paid/closed XX/XX/XXXX. 

It is to my Understanding that any school related debt is not suppose to be reported to the credit agencies during the pandemic. Especially when i was working with them to pay and agreed i would pay within 90 days. It is not my fault my family was struggling during all that is going on. I am asking that this please be removed from my credit report as it had a serious effect on my score. 

Reporting Agency is : US Dept. Of Education XXXX XXXX XXXX XXXX XXXX XXXX , GAXXXX XXXX Debt Opened : XX/XX/XXXX First Contacted by them : XX/XX/XXXX Reported to credit:XXXX Closed/Paid:XX/XX/XXXX Please help me to remove this from my credit score. 
Thank You for your time.

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 2021-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and from being able to access any financial resources which is very stressful for me and my family.

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 2021-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial is taking advantage of consumers. My account is with the law office of XXXX and XXXX. So why us Westlake still reporting my account to the credit bureaus. This is illegal. I called Westlake and asked to have my account removed from XXXX and XXXX which is my previous employment. I no longer work there but now I'm humiliated Because they are taking me to court.

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 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2021 apps XXXX Mountain Time. 

Deposited stimulus check for {$2800.00} made out to XXXX XXXX XXXX XXXX XXXX ( wife ). The ATM took the check and said " Your deposit could not be completed. '' It gave my card back and spit out a tiny useless receipt with no dollar amount on it. The ATM screen turned red and said " This ATM can not accept cash or check deposits at this time. '' ATM is at Chase Bank at XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

{$2800.00}, stolen, by a multibillionaire bank. 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: CA

Complaint narrative:
I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX  " account # XXXX open on XX/XX/XXXX in the amount off {$5500.00}, " XXXX/XXXX '' account # XXXX open on XX/XX/XXXX in the amount of {$500.00}. I did not authorize any of these accounts. I am requesting that the above unauthorized account be blocked and removed immediately from my Transunion credit report due to my identity been stolen.

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 2021-04-18 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: U.S. BANCORP
State: MA

Complaint narrative:
US Bank has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.

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 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
REFUSAL TO REMOVE INACCURATE FRADULENT ACCOUNT AS PER FCRA ON MY CREDIT REPORT. DEFAMATION OF REPUTATION VIA CREDIT. DESPITE NUMEROUS ATTEMPTS OF CONTACT, NO AVAIL. MIDLAND CREDIT MANAGEMENT HAS NOT RESPONDED TO DEBT VALIDATION REQUEST. THIS ACCOUNT WAS A RESULT OF IDENEITY THEFT AS I HAVE NO KNOWLEDGE OF ANY SUCH ACCOUNT AND IT IS BEING USED AGAINST ME. PREDATORY TACTICS, HARASSMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed wrong addresses on my credit report several time and Transunion, XXXX, XXXX  still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed wrong addresses on my credit report several time and XXXX, XXXX, Experian still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud

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 2021-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
First, your questions do not specifically address my issue, but here is the problem I am having with PHH Mortgage, from New Jersey. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 CFPB : re : PHH Mortgage, On XX/XX/2021, PHH Mortgage mailed out a letter to me about some alleged correspondence they claim to have received from me on XX/XX/2021, and used a Reference ID of : InquiryXXXX ( XXXX ). 

I have sent numerous inquiries since, asking that PHH Mortgage send me a copy of what I allegedly sent to them, which prompted their letter of XX/XX/2021. I have asked PHH Mortgage mail me, email me, or fax a copy of my correspondence. To date, the responses have been letters asking that I give them an account number, account holder 's name, address, and other relevant information. I can not give PHH Mortgage anything until they send me a copy of my alleged correspondence so then I can address the situation properly. 

Now to be clear, I DO NOT want PHH Mortgage sending me another canned, irrelevant letter to send something I can not send. I want them to SEND ME a copy of what they claim to have received on XX/XX/2021, which prompted their letter of XX/XX/2021, and had a reference number of InquiryXXXX ( XXXX ). They may mail me, email me, or fax me a copy of this correspondence that they claim I sent to them. 

My mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: KS

Complaint narrative:
My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.

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 2021-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I called the company ( XXXX  ) to ensure my auto pay was on and would be continues to stay on prior to XX/XX/XXXX ( my due date ) .I get a call thursday XX/XX/XXXX and Friday XX/XX/XXXX stating I had an every due balance ( robo call ). Saturday XX/XX/XXXX they called AGAIN demanding payment immediately and stated my auto pay was shut off. They called again XX/XX/XXXX at XXXX am to get a payment AFTER telling them less than an hour before I would call them in a week for payment since my auto pay was *magically* was turned off. They called AGAIN Sunday XX/XX/XXXX @ XXXX, XXXX am, XXXX am, and XXXX am. Even tho I repeated for the past several days I would call back in a week - and yet they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 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: MA

Complaint narrative:
XXXX XXXX has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.

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 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank keep calling me on Saturdays and Sundays at XXXX to XXXX XXXX and multiple times during the 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 explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I purchased an item from XXXX XXXX on XX/XX/2020. I returned the item on XX/XX/2020. I was still charged shipping and handling of {$21.00}. I paid the shipping and handling. They received the order back but did not credit my credit card right away. I was charged a late fee. So I contacted them. They kept saying I still owed the {$80.00}, which is the cost of the item minus shipping. I told them I did not owe them and to credit my credit card. They still did not do that. I did not pay anything more because I did not owe this debt. They even put it on my credit file as a late payment and it negatively affected my credit score. I called them again. They still kept saying I owe this money even though they had the item back and the shipping had been paid. Now they are still sending bills saying I owe over {$150.00} and that is all in late fees. It has again affected my credit score negatively. I do not owe these people and I want them to cancel these late fees and send information to the credit bureau that this debt is paid. It should never have gotten this far and I am tired of arguing with their incompetent representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. 

As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. 

We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. 

XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. 

US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence.

We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). 

Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. 

In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. 

However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. 

We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months.

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 2021-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX, my husband, XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. We were given the value of {$10000.00} for the auto. We requested financing for the auto and based on my credit score, we were accepted for financing by Onemain Financial Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX. The annual percentage rate that we were given was 18.17 % making the finance charge {$5500.00}. Unfortunately, we feel that in a way we are being taken advantage of by Onemain. The rate is too high, especially at a time in which we are in a pandemic. My husband and I have been going through financial hardship due to the COVID 19 pandemic and the added expenses that we have incurred due to this international health crisis. We know that the government has established laws for these finance companies not to gauge their rates and Onemain has definitely done this. How is it possible that we have to pay almost 60 % over the price of the automobile in interest rates. Our finance contract with Onemain started on XX/XX/XXXX. Our first payment was {$330.00} and the monthly payments since then have been {$260.00} per month, which {$130.00} of this is in interest only. We need for you to look into this and see if the finance rate can be lowered and regulated, especially as the car that we are paying was sold to us in a faulty state and it has been parked in the garage and we have not even been able to use it since it was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
During the beginning of the Corona Vira pandemic, mortgage companies ( including ours ) offered financial assistance to families that needed it, in the form of forbearance. Unfortunately, my late husband did not understand what this meant and applied for this program, without further explanation. It was my husband 's responsibility to take care of the finances but earlier this year he unexpectantly XXXX XXXX leaving me to take of everything. Once I found that we were signed up for this program I immediately wanted to end it but realized that each month 's mortgage will be immediately due in one lump sum once this forbearance is over and I do not have the funds ( like most Americans ) to pay for this so I requested a modification and for my late husband 's name to be removed. 
The mortgage company ( Freedom Mortgage ) replied within two weeks and approved the modification only to drastically increase the amount due, an error on their part they said. The escrow due each year is approximately {$7000.00} but the monthly escrow error said {$2000.00}. 
Freedom Mortgage also kept my husband 's name on the modification even after I had submitted his death certificate to them as proof. 
This back and forth has been going on for the past seven weeks with a different representative telling me, " the issue will be fixed '' or " the issue has been resolved just wait 10 business days '' or " the underwriter is looking at it now, you should receive a letter by the end of the week '' and I get no response. 
Freedom Mortgage has no issue sending me a monthly statement telling me how much I need to pay them and how much is due, but for some reason, Freedom Mortgage can not properly adjust the modification I requested and they approved in a timely manner so I can try to move forward with my grieving process. The amount of anxiety and stress this one company is causing me is really unbelievable, it feels like they want me to give up the home my husband and I had together so they can make a bigger dollar off of it.

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