vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I received a notice from Williams and Fudge 2 months ago. I responded withing the 30 day deadline denying the debt. In addition i sent them a certified letter. They are claiming that i owe XXXX XXXX  XXXX dollars. Not true. I did apply to the school and was accepted admission. I did send them my XXXX form ( nothing confirming my signature or release of student aid ) but i informed the college/my admission rep that i decided to attend another school that was more reasonable and a better fit for me. It is not my fault that the person there did not due their job they were informed well in advanced. In addition i did not release my financial aid to that school or sign anything stating that i will be an official student. I went with the other school and signed their documentation and started at another university. State law is that you can not get financial aid at two school so that's how i know i did not move forward with them and this charge is bogus. I requested documentation, Williams & Fudge sent me a pending/ outline of possible tuition charges if i were to attend but i did not. They do not have anything with my official signature because i don't owe them or their " client ''. They are not lawyers they are just looking to get money out of me that i do not owe. They are reporting false/inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: FL

Complaint narrative:
I had a forbearance with SallieMae due to COVID-19. Apparently when the forbearance was applied my loans were already 55 days late. Once the forbearance expired I only had 4 days to make a payment to keep from being reported to the credit bureau. SallieMae did not inform me of the timeline. I immediately made arrangements to pay and asked them to remove the negative report since my ability to pay continues to be impacted by COVID-19. If SallieMae continues to report my loans are late, I can not refinance the loans to get more reasonable terms and improve my ability to pay them. There are three very specific unfair practices here : 1 ) SallieMae was well aware that I had a forbearance and difficulty paying due to COVID-19, but they reported anyway. 
2 ) SallieMae reports each loan I have separately so it looks like I have 5 accounts in arrears. I have only one account with SallieMae with 5 loans. 
3 ) SallieMae is well aware that I can not refinance my loans to get better terms if they report to the credit bureau, so I am forced to keep my loans with them and pay higher interest rates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
My first mortgage which is a senior lein and we are good standing with, was not contacted, nor have they been paid and my balance with them is 50 % more than the junior lein [ second mortgage ] amount stated due. They allegedly foreclosed on my property without contacting the first mortgage and neither did they contact me. My home was unlawfully, allegedly foreclosed on by RRA CP Opportunity Trust2. They used fraudulent assignments to convey the deed. I never signed the " borrowers waiver of rights ''. They created this trust for the purpose of foreclosing on my property. I never received any notification or correspondence from this company in 16 years. Once I have contacted them to correct this problem, The issue has not been resolved. There is a title issue involved. there is no foreclosure deed recorded. Only an assignment that was signed by a known robo-signer [ XXXX XXXX XXXX. Fraud can not be the basis of obtaining a deed and this is the practice of this company. There has been many cases filed in the US sighting this company and this robo-signer as well as a witness on the assignment for fraud. Would you please investigate this and open a case for mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In early XX/XX/2020, as we were considering refinancing our home mortgage, Quicken Loans approached me with match or beat offer ( attached ) directly addressed to me with their rates and numbers. Subsequently, I inquired XXXX XXXX XXXX their vp and others ) to find their most competitive rate. They were not very cooperative and kept referring to the rate of 3.316 % APR as written in the attached offer. 
However, I received better rate ( 2.75 % ) from another vendor ( XXXX XXXX XXXX ) and recently closed the refinancing with them. 
Following their instructions of the Quicken Loans Match or Beat offer, I submitted all the requisite papers to claim the small {$250.00} reward they promised. After much wasted time, an employee XXXX XXXX XXXX XXXX refused to provide me the {$250.00} reward with the excuse of not finding any record of my interactions with their people. As you may see in the claim offer, nowhere they said I needed to provide the logging details of my interaction as most of these people always insisted on communicating the numbers on the phone and not in writing which itself is very shady and unprofessional in nature. This employee admitted that no recorded logging and conversations were needed. 
Despite explaining all these, the Quicken rep XXXX XXXX XXXX kept refusing to honor the reward with excuses of not finding the record. I am attaching another email herewith from another quicken employee XXXX XXXX XXXX on this matter to show a proof of interaction. But since these people refused to provide any additional written refinancing rate term ( other than what I attached here in the match and beat offer XXXX, it is not possible for me to submit additional rate offer. 
Recently, I found out they will not give me any rate info without a formal application and running a hard credit on me which is unheard of and very unethical as an applicant must know the specific numbers, terms and conditions and accept before any application. I have provided them all the numbers of my financial information they were looking for, but did not get any written offer beyond the attached offer. 
As you can see that this ( including this match and beat offer ) is nothing but a very fraudulent scam by Quicken Loans. We need your help in stopping this scam and they must be forced to honor and provide their numbers and terms and conditions prior to any formal application or credit check as all any other reputable institution does.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I CLOSED MY ACCOUNT MORE THAN 4 MONTHS AGO. I OVERPAID MY ACCOUNT BY {$51.00}. I WAS TOLD THAT THEY WOULD ISSUE A REFUND WITHIN 2 BILLING CYCLES. I CALLED AND SPOKE TO A REPRESENTATIVE IN XXXX AND WAS TOLD I WOULD BE REFUNDED THE OVER PAYMENT WITHIN 90 DAYS! THAT WAS A LIE! I CALLED TODAY AND SPOKE TO ANOTHER REPRESENTATIVE AND WAS TOLD THAT THE REFUND WOULD BE ISSUED AFTER 4 MONTHS! ANOTHER LIE! I HAD BEEN A CUSTOMER FOR OVER 30 YEARS AND HAD TWO CARDS. I CANCELLED BOTH CARDS BECAUSE THEY OUTSOURCE TO XXXX AND THAT REPRESENTATIVE WAS RUDE, ARROGANT AND DID NOT UNDERSTAND ENGLISH! I WAS ATTEMPTING TO ACTIVATE MY NEW CARDS THAT WERE SENT TO ME. I WAS NEVER LATE ON ANY PAYMENT AND PAID PRIOR TO THE DUE DATE! THE XXXX REPRESENTATIVE ASKED ME FOR ALL MY INFORMATION INCLUDING A PICTURE OF MY DRIVERS LICENSE BOTH FRONT AND BACK. HE WAS ABLE TO SEE THE FRONT AFTER I TOOK SEVERAL PICTURES BUT AFTER 20 ATTEMPTS FOR THE BACK SOMEHOW HE WAS UNABLE TO SEE OR MAKE IT OUT! I FELT IT WAS A SCAM SO I TOLD HIM ( XXXX? XXXX TO CANCEL MY CARDS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by syncb paypal in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX  XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I recently tried to pull my credit information Credit Karma and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to Credit Karma, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NV

Complaint narrative:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I had a credit card joint with citi bank, it was a secured account, we deposited XXXX dlls to get the credit after several complaints that we have due to interest and fees we decided to close it, for this we have to pay a remainder balance, we tried to make a payment on the bank directly but even the credit card are from the same bank they only accept payment on the phone, we was scared to give our bank information because we thought they could try to make more charges, so we waited until they send a letter asking for the balance we owed. We make a minimum payment on XXXX for {$15.00}, but we noticed that they continued adding more interest to the account so on XX/XX/2020, we decided to call them and paid all the balance we owed it was {$250.00} dlls and we asked to finally cancel the account and dont contact us again but Instead they keep the account open generating more fees and interest now they send a letter asking for a payment balance of {$260.00} when its supposed closed since XXXX. I contacted them several times and when they transfer my call with another office they always hung up the phone, finally yesterday someone answered me, the person on the phone said they never closed the account as we requested and because they said we made our payment one day late, that amount is the accumulated fees and interest, but in the paper the due dates always was the XXXX of the month and I paid on the XXXX, now I have to wait for them to send me copies of all statements since XXXX and then make a letter and send several documents via fax and dispute charges they said it will take 30 to 60 days to have a resolution. I think thats no fair because its a lot of wasting time they made a mistake for no closing the account on time they should fix this immediately but I am not sure they will make something on this matter.

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 2020-10-08 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: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Inaccurately reporting items that I have no proof of ownership to. Collection accounts that are inaccurately being reported on credit that is hurting my overall score. I was never shown proof of ownership of this collection debt nor do I have any knowledge of how it ended up on my credit report I would like the collection from RMP SRVC LLC deleted as I have never been provided proof of this bill. It was opened on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX  / XX/XX/2020 *

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
So Equifax has had this unknown account on my credit report since XXXX. I have disputed over and over to get them to delete it from my credit report since I had no way of contacting the creditor. I have asked them over and over to remove this but they haven't even updated the information. It is XXXX. This is ridiculous I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in 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 2020-10-08 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: NV

Complaint narrative:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

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 2020-10-08 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: NV

Complaint narrative:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I damaged my ReliaCard and I ordered a new one. Soon after, I got logged out of my account and I couldnt use my card online. Then, when I finally got my replacement card, it still wasnt working anywhere. I contacted ReliaCard and the PA Treasury. ReliaCard states that the problem is not on their end, and when I tried to call the PA Treasury, they said they dont know when Ill be able to use my card again.

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 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I want to start stating that I don't know what else to do to get a fair solution to this issue. I already engaged Synchrony Bank back on XX/XX/XXXX and I didn't get any response from them. They didn't even investigate my case and there is no dispute remark in the account. 

I am submitting this complaint because they are not acting according to the consumer rights. They are violating the law by doing the following : 1. Conflicting payment history, inaccurate reporting.

2. Reporting false activity date.

3. Re-aging charged-off account!

4. Unfair business practices.

5. Negligence.

6. Breach of contract.

7. Reporting false and erroneous information. 

I did my own research and I am sure that, based on all the damages that I have suffered due to their inaccurate report, it is fair to get the account REMOVED from all three major credit bureaus. 

Here is the account information : Synchrony account : Syncb/Paypal Credit, opened date : XX/XX/XXXX, limit : {$300.00}. 

Please send the attached documents to this company.

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 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On my credit report, XX/XX/XXXX a account was open in my name for the amount of {$340.00}, I call the crediting company and collection and they said they have no account on theyre system, The same for a account with XXXX  XXXX  XXXX XXXX, Two Accounts were opened, I have no Knowledge of and nether does the creditors or  collections have anything on their systems on XX/XX/XXXX the accounts were opened for the amount of {$720.00} and {$800.00} ( I was XXXX  on that date )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified via my credit report that {$100.00} was owed. I contacted the original creditor XX/XX/2020 to confirm that my account was in good standing and no amount was past due. I have never received a letter from CBE, a phone call, or any type of notice prior to CBE reporting on my credit. I made multiple attempts to contact CBE by phone and each time I was sent to an answering machine to leave a message. 

Since I can not get in touch with CBE, I am coming to the CFPB and XXXX   to request immediate validation of any amount they are saying I owe. If they can not provide validation I request that this is removed from my credit report as it has a negative effect on not only my credit worthiness but my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation