vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
There have been repeated attempts via phone calls from Amsher Collections to collect a debt that I do not owe. The debt was on behalf of Charter Communications, LLC of which I do not have an active account and the collection amount of {$200.00} is not my debt. Because of these attempts, on XX/XX/2023, a collections account had been made in my name which has drastically decreased my credit score. I would like this collection account removed from my name and record since it is not a debt I owe and there is no proof I am attached to this debt and it has been negatively affecting my credit score with no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Purchased a used car with Wells Fargo last XX/XX/2022. The interest rate is very high.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
About 20 years ago I purchased a small notebook from XXXX XXXX. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with XXXX XXXX and their pit bull debt collectors from Portfolio Recovery, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In follow up to the last response you are inaccurate. There was a XXXX XXXX produced from Citibank this year XXXX despite having one department closed there are many others you speak of. 
This is out of line for a lender not to have original documentation of a loan The bankruptcy paperwork was sent along with the last complaint. 
There is no loan referenced " XXXX '' So there is a problem here for you to identify the loan. 
XXXX XXXX XXXX  dispersed the loan only. 
You are responsible for having the documentation. 
Where does it say I am moved in the primary position after XXXX XXXX Bankruptcy It is not private when I sent you the information and you have not identified your loan. 
Unless you reference precisely the loan in the bankruptcy which leads me into first position then I suspect you made an error issuing the loan in the first place and there is also an error in how you followed protocol that may be wrong. 
XXXX denies in current court proceedings this loan exists after XXXX as she paid it off. 
This loan you speak of is my own loan originated without XXXX. 
So how do you answers now. 
If it is a manual check where is the signature on the check? Paperwork? 

The issue is larger and your are creating irreparable harm to me Please respond with the correct paperwork to prove my identity on the loan and the issued check. XXXX XXXX XXXX does not keep these records and relies upon you to do your due diligence I was involved in your bankruptcy account listed in your last response and you are unable to substantiate this The account numbers do not match the bankruptcy file Please do so immediately. and the exact dollar amount What is the account number with XXXX and when did the company received the loan servicing agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a product originally advertised by PayPal credit, I ordered the product from a company called XXXX https : XXXX  When I received the product I realized they sent me an XXXX version of the product and was not functional for my American home, it was an expression machine with an XXXX type of electric plug. I quickly informed XXXX about the issue and they sent me a return label. I sent the product back, they acknowledged the return but I never got a refund. I contacted both XXXX and PayPal credit several times explaining myself about the situation. XXXX  say they accepted my return but PayPal credit hasnt cleared the charge from my account, this was almost a year ago and they keep calling me and have now billed me multiple times and have caused me to incur interests that have hurt my credit. I keep telling them I returned the product but they dont accept it. Anything I can do?

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 monetary relief
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. XXXX XXXX False information and false reporting XXXX XXXX XXXXXXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. XXXX XXXX XXXXXXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, MS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I had to replace the roof on my mortgaged home. Service Mac, the mortgagor, required the insurance company to issue all checks jointly, less my deductible which I paid directly to the roofing company. Insurance company issues 2 checks for additional work, jointly, and the work had been completed ( roofs took a day ). I executed the affidavit of completion, had it notarized, and the mortgage company is in agreement that the work has been completed and is satisfactory. 

The problem is now with the joint checks. I have mailed them in to have the checks endorsed and returned, as originally instructed verbally. Service Mac returns them and finally I understand they want me to endorse the check, then they will endorse and return to me in the mail. Once I understood this, I explained, as an attorney in 2 states, that this is very risky, as a fully endorsed check is essentially cash, and I would never mail thousands of dollars of cash through the mail. I offered two ( 2 ) solutions, 1 ) they endorse the check with no endorsement by me to return a partially endorsed check through the mail, or 2 ) They receive my endorsed check, deposit it, and reissue a check that is not endorsed to either myself, the roofing company, or even a joint check.

Service Mac draft loss department insisted that the only path is to mail a fully endorsed check back to me. I asked to be indemnified in the event the checked is cashed by a third party. They refused to do this as well, indicating that the loss would be on me, personally. At this point, my home owner 's insurance company has issued the funds to pay for this work and the vendor, XXXX XXXX, who did a fantastic job and is patiently assisting me by communicating with insurance and Service Mac, is owed these funds on my behalf. They will have no choice but to file suit or send me to collections soon in order to protect their right to payment. 

This policy is ill-thought and risky, putting mortgage holders at risk for financial losses they can not insure or protect themselves from. It has caused payment delinquency and subjected me to liability for a debt suit that would cause me further financial harm. As I have been unable to reach an individual at the company who can craft a solution to transfer these funds in a responsible manner, I have been advised by a colleague in the mortgage sector to file a complaint here to encourage swift resolution.

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 2023-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has not addressed any of the issues that were placed in the complaint. 

This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. 
The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since XXXX. 

In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
This complaint is for TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX, JPMCB CARD, XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX XXXX XXXX KOHLS/CAPONE, XXXX XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors CBNA, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: MA

Complaint narrative:
When we refi the house, the bank that owned the mortgage reported it paid off ( I have the payment receipt ) but put the wrong bank name on the discharge paperwork. We are unable to get Platinum Mortgage to issue a discharge statement ( or assignment ) and it had clouded our title. 

The case is with the mortgage servicer at the time, XXXX and is case number XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
see attached I have been contacting these companies since XXXX of XXXX, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
XXXX, company holding the mortgage, used a predatory forbearance system during Covid that increases the likelihood of uncontrolled debt leading to foreclosure, and while the system promises access to make payments " in any amount '' this is not the case and required numerous phone calls to correct on more than one occasion. Business accepted payments that resulted in a partial payment and then refused to accept additional partial payments to resolve the month. After conversation with the XXXX, they retaliated against a complaint by maliciously adding a note to the account advising that no partial payments would be accepted for this account after a previous loss mitigation specialist set up partial payments and permitted these payments beyond the end of the forbearance period, that " they saw no reason I should not continue to use. '' This bait-and-switch tactic is predatory and creates the hardship their program is supposed to protect against. Business also offers a " bi-weekly, automated payment plan, '' but it requires that you pay one month ahead, which is hardly the reason borrowers need payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO UCC 9-210. I AM DISPUTING VALIDITY OF THIS NEGOTIABLE INSTRUMENT UNDER UCC 3-104. I EXPECT XXXX AND EXPERIAN ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE COMMERCIAL CODE REQUESTS UNDER UCC 1-304. ADDITIONALLY, BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER HJR 192 OF 1933, 31 U.S. Code 3123, AND 18 U.S. Code 8, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; THERE SHOULD BE NO BALANCE, LATE PAYMENTS, OR CHARGE OFFS SHOWING ON A CLOSED ACCOUNT. XXXX XXXX  Account Number : XXXX If there is a failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradeline deleted from my consumer report persuant 15 U.S. Code 1692e.

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