vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even Equifax ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX XXXX Good day. I am experiencing fraudulent and deceptive practice with synchrony bank Care credit account. When I was given this account with XXXX XXXX in XXXX XXXX. I was told that the purchase would be around {$1400.00} and if I use care credit, I would pay around {$1700.00}. I would be paying Somewhere between {$300.00} and {$400.00} for interst. That is a high interest, but I was willing to pay that amount. I have made monthly payment never missed a payment and now I am being charged almost an additional {$450.00} interest. Thats almost {$800.00} interest on a {$1400.00} dollar purchase. THIS WAS NOT DISCLOSED TO ME, and In Retrospect my monthly payment was made in a way where I wouldnt pay it off before the time when they were allowed to charge this additional interest, unbeknownst to me. This should be illegal and I am shocked and dismayed that banks are allowed to take advantage of consumers in this manner. What help is available for consumer protection from these fraudulent practices from greedy corporations. This should not be allowed. Many of us are facing financial hardship in this time and to have salt poured into our wounds is absolutely disgraceful in every way possible. Please help. 


Sent from my 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 monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I called Investors Bank a few times to see if they are honoring the Governors request for mortgage companies to give us a break for 90 days. I opened up a case and was told there a small bank working in NY & NJ they are not like the larger banks like XXXX & XXXX. 
My wife is on S/S & I have since been layed off from my job. There going to email me if they can do something, the thing that concerns me is I dont see them on the list of companies working with covid people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery LLC, In their response dated XX/XX/XXXX regarding disputed account # XXXX claimed that they fully validated they alleged debt, however : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX  statement of {$2600.00} does not match the amount that you claim of {$3400.00}. Please explain the difference and how you calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature - please provided it. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. Please provide this. 6. Charge off Amount is not provided. Please provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
Contacted several times that amount was not owed. One of the rental agent explicitly stated that amount is not owed. The collection agent which is a separate agency and that it seems that it has a private arrangement with another rental agent. States that this amount is owed. However justification has Never been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I have a Kay jeweler credit card. the due date for payment is the XXXX of the month and late fee accessed after ten days past due date. I called on XX/XX/XXXX at XXXX XXXX, central time. I spoke with customer service representative XXXX ( had to ask her to spell her name because of her not good english ). I asked for the amount due and she stated {$93.00}, I asked why {$93.00} and she stated because of the past due amount.. I stated that the payment was due XX/XX/XXXX and today is XX/XX/2020. She stated that the past due amount of {$47.00} and the upcoming XX/XX/2020 payment is due. I informed her that today is XX/XX/2020, and you are trying to force me to pay a bill that is not due yet. I informed her that you can not force a consumer to pay a bill that s not yet due. I paid the amount that was due on XX/XX/2020. This is not the first time i encountered this type of practice with this company. ( XXXX XXXX XXXX XXXX for Kay Jewelers ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a fraudulent account called XXXX/XXXX  on XX/XX/2020 to TransUnion but TransUnion has taken more than 30 days to investigate and today is XX/XX/2020 and this account is still not removed from my credit 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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
( The options previously listed really didn't capture my experience ) I've been a long-time XXXX XXXX customer. I've had at one point 7-8 different lines from a family plan and have paid on average {$6000.00} per year on our cell/device bills alone. We've slowly been taking lines off of XXXX because the customer service and care has vastly deteriorated. 

In early XXXX, I decided to switch my father from XXXX XXXX to XXXX XXXX. I kept my line with XXXX  in the meantime. My father 's final bill was due in early XXXX and less than 23 days later, XXXX had already sent my father 's final bill to collections ( CBE Group ) which apparently is XXXX 's internal debt collection service. 

I didn't receive any phone calls, e-mails, anything reminding me that we were past due. The bill was not even 30 days past due and they had already sent it to collections. Mind you, when I did receive a letter, it was around XX/XX/XXXX ( approximately ) and the phone calls began a few days later. This is nearly a full week + after the lockdown from the Coronavirus had already been ordered here in the XXXX XXXX ( CA ). I don't even know if I'll be able to make my next mortgage payment or property tax bill and XXXX  has the audacity to send my bill to collections at a month past due? 

I've reached out to XXXX customer support online and they didn't bother to do anything. I spoke to someone on their management team who said they would get back to me with some logical explanation. They did acknowledge that being sent to collections not even 30 days past due is not normal. I'm sure I'm not the only person who is in this situation. A lot of people are struggling and their choice to send me to collections after years and years of giving them my business is hurtful and adds undue stress. 

I have since disconnected my line and transferred my phone number out. I refuse to continue to give them my business. CFPB and other consumers should know that in this day where lendors and creditors are issuing payment deferrals and mortgage forbearance, XXXX won't hesitate to send your bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
Hi, I have a problem ... This company say I owe them money??? ... How when I'm in XXXX Florida?? Also I meet people in person ... Also they call me asking if I'm this guy or that guy?? 
I don't know these people nor ever delt with them

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 2020-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
IN XX/XX/XXXX, i received a letter regarding a " Class Action '' suite , involving the illegal placement of a CPI policy placed on my XXXX XXXX XXXX XXXX that i purchase in XXXX. That letter i received instructed me to provide proof of insurance during the time of the " CPI Policy '' ( policy # XXXX effective XX/XX/XXXX-XX/XX/XXXX ). I contacted the XXXX by phone, and provided the insurance policy number during this time of coverage ( XX/XX/XXXX-XX/XX/XXXX ). I was instructed to wait 180 days to allow for investigation and review. 

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, informing me based upon the information i provided, they determined it was necessary to place the CPI policies during the dates listed ( XX/XX/XXXX-XX/XX/XXXX ; therefore, i was denied compensation. 

With that being said, I am filing a complaint against, Wells Fargo Auto, CPI Payment Program because of the following points.

1. I complied with their request and provided the necessary insurance information requested ; 2. I absolutely had full coverage insurance for the duration of my loan with Wells Fargo.

3. Dates of insurance coverage was provided to Wells Fargo for a second time on XX/XX/XXXX. 

My claim should not be denied because the insurance company 's records don't go back that far. Additionally, when i requested information regarding the CPI policy from Wells Fargo, CPI Department, they where unable to access the file due to the age of it. With all this being said, this does not warrant a denial.

Wells Fargo waited 10-15 years after they placed the illegal CPI on my loan, and the insurance company doesn't keep records that far  back. It is in my opinion, Wells FArgo knows that, and maliciously using the stated 180 days ( allotted for review of claims ) per their statement, to delay payment to those like myself.

Lastly, my claim should not have been denied because Wells Fargo took so long to admit their wrong doing and based upon this and, the above facts, I am due restitution for the illegal CPI that I paid.

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 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which XXXX, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
In early XXXX of 2018, I ported my number over from XXXX to XXXX XXXX XXXX. I had already received my bill from XXXX for the month of XXXX. Once I ported the number over I contacted XXXX for an updated bill because my invoice was for the entire month of XXXX. I ported my phone number over in the early part of XXXX which would mean I did not owe the entire invoice that they had sent me. On three separate occasions I contacted them to send me an updated bill. The next thing I know, in XXXX of 2018, I get a collection letter from XXXX XXXX XXXX with whom I disputed the debt in writing. I thought the issue was resolved and attempted to contact XXXX again as I was trying to use the phone I had with them for my daughter. I found out once again that they were claiming the balance for the full invoice was still owed and they would not release the phone, even though it was paid for in full, and they were holding it hostage for the payment of the invoice. In XX/XX/2018, I got another collection letter from XXXX XXXX XXXX. Then again in XX/XX/2018, another letter came from Southwest Credit. It would appear that XXXX outsourced a disputed account two more times without validating the amount owed as requested or sending an updated invoice, which was also requested. I do not owe this entire invoice. I only owe a portion of it. I can not contact anyone at XXXX and Southwest credit has not validated the debt even though I have requested it in writing. 
Southwest credit has again reported this to my credit bureau. I am at a loss for words for the strong arm tactics of XXXX  XXXX and their collection agencies trying to force payment of an amount that is not owed. 
All I want is an updated invoice showing the date my service with them ended and I will gladly pay for what I used and no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
i can not get thru to barclays this is on my upromise card i made a purchase never got it no response from XXXX i need to dispute it. no one answers emails phone and i understand people are busy but i never got this item. please dispute

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 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
i tried for almost 2 years to modify my mortgage with this bank, if you look up XXXX-XXXX  right now that is the only former complaint i put through cfpb but there were several and the only company that helped me, well on XX/XX/2020 i got a call from the bank telling me they finALLY MODIFIED ME I SAID WOW THAT IS GREAT HOW MUch and it was XXXX i said that is higher than i use to pay so where did you modify me? they kept asking me, WHAT YOU DONT WANT IT, i said i did not say that but i have to see it first another problem is i am stuck in tennesee i came out here and my return flight was cancelled, they only gave me to XX/XX/XXXX to pay, i asked them since this corona i am not getting paid and they should extend it till XXXX, I JUST CANT SEE ALL THIS TIME THEY COULDNT MODIFY IT AND ALL OF A SUDDEN THEY CAN, i also asked what my interest rate was and was told I WOULD NOT BE TOLD THAT UNTIL I PAY THE 3 MONTHS TRIAL RUN THEN I WOULD BE TOLD, i said heck no that is not how it works, i should be told what i will be paying on, and finally, i have a feeling they canceled my homeowners on my home that i have had for over 14 years and if they did that is illegal also, they asked me to raise the dwelling amount which i did within 24 hours and sent it to them showing it was raised and i have proof of it being email to bank and also when they received it,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian mailed a very confidential detailed list of my personal and past credit report to a address which I dont live it. Thats the only address I know of but who else knows what other addresses it sent it out to

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