vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. WILSHIRECNS XXXX {$2600.00} AWACOLLECT XXXX {$63.00} LVNVFUNDING XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2019 I was financing XXXX XXXX with an advertised 0 % rate financing with Carecredit. I was not aware that I was opening a credit card, I believe that I was enrolling in a 0 % interest payment plan as it was advertised and as the paperwork seemed to convey. 

Less than a year later, suddenly with only about {$700.00} remaining on my loan, I was charged {$700.00} in interest. 

I called Carecredit after I XXXX my issue, and saw that this is not the first time CareCredit ran this scam. In fact, CFPB fined the company FOR THE EXACT SAME PRACTICE previously. 

How can they still be in business to rip off more consumers? Clearly the previous fines and refunds weren't enough to deter this behavior. 

Further, upon further reading their own document outlines the promotional 0 % rates are for 6,12, 18, or 24 months. However my rate was revoked after 8 months, an act done on their behalf because my payments would have had a zero balance at the time of the rate expiration. 

From the document : " This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ( " APR '' ) is 26.99 %. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a ( v ) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase. 
No Interest if Paid Within Promotional Period ( These can be advertised as Deferred Interest promotions ) Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. 
Please keep ''

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 2020-07-06 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: OH

Complaint narrative:
On XX/XX/XXXX, Portfolio Recovery Associates, alleged I owe on an alleged account with XXXX XXXX. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, Portfolio Recovery Associates, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from Portfolio Recovery 's Disputes Department. On XX/XX/XXXX, I again reached out to Portfolio Recovery, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. Portfolio Recovery never responded. Please see the attached documents and receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account. 
I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.

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 2020-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX  XXXX {$63.00} XXXX   XXXX {$980.00}

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 2020-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$63.00} XXXX   XXXX {$980.00}

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 2020-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Loan Number : XXXX Amerihome Mortgage I am writing to complain on Amerihome Mortgage. This is my second complaint. I was told to make 3 Trial payments on time in order to receive a loan modification agreement. I have complied and I was told I would receive a loan modification agreement packet in the mail once I had successfully completed the trial payment arrangement. I was to sign, have documents notarized. I have yet to receive this packet and have been told to continue and make now a 5th TRIAL PAYMENT for the month of XX/XX/2020. I am asking for your help due to the fact my condition financially has gotten more critical due to Covid 19. I can not continue to pay high trial payments and I am asking for your help with the Amerihome mortgage people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-07-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-07-06 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Received dunning letter from RECEIVABLE MANAGEMENT GROUP , INC on XX/XX/2020. The letter was dated XX/XX/2020 attempting to collect debt of {$48.00} on behalf of XXXX XXXX of XXXX Florida for services on XX/XX/2020. 
I called their office today and spoke with a Ms. XXXX. I explained to Ms. XXXX that the XXXX  group failed to provide requested information to XXXX XXXX so that a claim for services rendered could be addressed I have an Explanation of Benefits from XXXX XXXX stating that my financial responsibility is XXXX on this claim. 

Therefor they are attempting to collect a debt for {$48.00} when the balance, per insurance contract is XXXX. 

Ms. XXXX did not want to discuss any matters relating to insurance whatsoever. 

In the event that this debt collector places any derogatory information on my credit report, I will pursue my legal remedies for slander of credit as well as pursuant to the Fair Debt Collection Act.

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 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Hello! 

From my understanding when a mortgage loan reaches 78 % of the value of the original purchasing price, the mortgage service is required to remove the PMI. I have reached out to me mortgage company ( Freedom Mortgage ) and then stated that I need to have a written request as well as an appraisal. My understanding was that none of this is needed once the loan reaches 78 %, that that information is if you are requesting PMI waiver at 80 %. 

Please let me know if they are wrong or if I am wrong. 

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.

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 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened an account with Citi bank XX/XX/2020. Account # XXXX ( Citi Priority ). I opened the account online with an assistance of a representative over the phone. At the time, For Citi Priority account they had an opening bonus of {$700.00} promotional code XXXX. I was required to deposit {$50000.00} within 30 days of opening the account. I deposited {$50000.00} XX/XX/2020. I was told I need to maintain the deposit for 60 days and I will be paid a {$700.00} within 90 days. Between then and the end of XXXX, I maintain the amount required. I contacted the bank about three times between XXXX and XXXX. I was told my bonus will be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted the bank to check the status. I was told, they don't see any promotion and they will open an investigation. Today, I received an e-mail advising me, unfortunately they do not see any promotion code and they will not be paying any bonus.

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: OR

Complaint narrative:
I was informed by XXXX XXXX XXXX XXXX XXXX that an outstanding debt was collected on behalf of Nationwide Recovery Service , Inc . I have not received any form of communication from this company regarding the debt or my options to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation