vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: TX

Complaint narrative:
We where given 2 financial deferments in a course of one year  we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit 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 2020-01-15 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Bureau of Medical Economics is reporting to all three credit bureaus that I owe them a balance of {$370.00}. I never engaged in any business affairs with the Bureau of Medical Economics. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Bureau of Medical Economics with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: RI

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 2020-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.

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 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhoods United, LLC
State: IL

Complaint narrative:
I had surrendered the property in XXXX to the initial mortgage company only to find out that the loan was sold over and over again. I began to notice that I started to receive tickets for the upkeep and abandonment of the property through the city and later found out that the property was still in my name. through research from a property search, I was provided the new mortgage company information and attempted to obtain some form of resolution for the next 2 months with being put through a cat and mouse game. I had tried to sell the property but was unsuccessful without the release of lien. next, I am offered a deed lieu and when I follow up I am then told that they have an unrecorded deed lieu from XXXX. I continue to phone the company and ask when they would file the deed lieu and be told that I was offered a consented foreclosure and would not be held financially responsive if I agreed. now that offer is still available but no documentation has been sent to me and it is now a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I received 3 voicemails today from this company on 2 different numbers that are listed to me. They were the same exact automated messages from phone numbers : XXXX and XXXX. I called the number back and it went to a Direct Recovery Services. Upon reaching a representative, they used several misleading statements that mislead me to believe that there are further consequences for not paying a credit card bill. The representative mentioned several times that she wanted to help me get into a " voluntary '' payment arrangement, which indicates the possibility of involuntary action in which this agency has no authority in doing so. 
The phone calls were automated calls to a cell phone without permission. The collector pushed for a payment today by using the word required when there is no requirement for me to get into an arrangement. The collector demanded a payment today, which overshadows the validation period of them sending me a letter and allowing me the opportunity to dispute the debt before demanding a payment today, and they verified my address so I know they have the correct address to send the paperwork to. 
President Trump has recently signed into law, the TRACED law in order to prevent these types of automated, misleading, and aggressive collection tactics and is increasing the amount of possible damages per phone call from {$1000.00} per call to {$10000.00} per call. After I already spoke to a representative, later on I received another call from a different number with the same voicemail that I already returned the call earlier that same day. Even when I do call them back, they still call repeatedly. I had more questions for the representative but she hung up on me once she figured out I wasn't believing her lies and threats and making payment today. Once there was no money, she hung up on me without even giving me the chance to finish my sentence. These collection tactics are some of the most aggressive and misleading that I've ever experienced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter will not allow me to make payments on my loan. They want to repossess it and continue to charge fees in extreme access. 
They refuse payments and want the balance in full after paying over {$12000.00} over 4 years. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I visited GAP at XXXX XXXX   XXXX in XXXX, Minnesota. I went to purchase 3 pairs of jeans. The sales associate asked if I had any points or coupons to use. I said no. The sales associate then said I would be paying full price for the clothing. I said I knew and that was fine. The sales associate then said something along the lines of " hold on let 's get some sort of discount. I can bring the total down by about XXXX dollars. '' I replied that it sounded great. The associate asked if I had a card with GAP. The sales associate did not specify credit card, so I assumed it meant a rewards card. I said maybe. He asked me to follow the prompts on the card reader to check if I was in their system. The prompt asked for my full 8 digit social security number. This was a red flag to me and I said their system wouldn't have my ssn. I felt uncomfortable and entered my SSN anyway. I wasn't in the system. The associate said no problem, they'll get me added. The associate asked for an ID, and then asked me to follow the prompts on the card reader. The bottom of the screen said " CREDIT CARD APPLICATION. '' I then responded that I did NOT want to apply for a credit card. The associate responded that I would have to pay full price, and I said it didn't matter to me but I would not be opening a credit card. I then completed the purchase. I was really uncomfortable when I left because I was never told I was opening a credit card. The sales associate just automatically started the process with me. This is very misleading and unclear. I decided to return to the store about fifteen minutes later and requested to speak with a manager. I spoke with an individual who I believe to be a manager and explained what had happened. That individual responded that he has never received this complaint before but can talk to the sales associate. That individual then explained to me that credit card sales are a part of the experience of shopping at GAP. I responded that I had no problem with credit card sales, but it's irresponsible to tell me I'm being entered into the system to get a discount, when I'm actually applying for a credit card. The manager repeated that he would speak with the associate and I left. I don't feel like my complaint is being taken seriously, and I think this is very manipulative behavior to try and trick customers into opening credit cards.

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 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We have had this loan for 21/2 years or so as it looks we have in the 2/1/2 years only paid {$17000.00} off loan that does not seem right at 4.5 %. Our mortgage payment is about {$2300.00} and {$600.00} impound and {$1700.00} for loan it totals {$51000.00} for 3 years so something is wrong in the numbers and we may have been over charged. This company has no respect in  customer service I have XXXX and have trouble some times but for them to act the way they do is rude, I have did the math on my loan it is not right there is some thing wrong. please look into this for me. ASAP as we are in starting of foreclosure.. please look at the numbers and help us to be sure of all the charges.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am a victim of identity theft. I did not apply for the following Synchrony Bank Ashley Advantage credit card # : XXXX. The account is a fraudulent account and not my credit card account. I been receiving death threats, threats of legal action, jail and prison, harassing, profane, abusive and threatening telephone calls from Synchrony Bank in regards to a debt I dont owe for this fraudulent account. The account or debt is not my debt or account.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My name is XXXX XXXX. I do not have my account number. I opened an account with synchrony bank for their amazon store card. Ever since I have made payments at least double the amount I was supposed to. For example the typical payment due was XXXX $ I payed at least XXXX $ each month. The account was closed in XXXX but I have continued to make payments each month of at least XXXX XXXX The balance has stayed the same at XXXX $ no matter how much I pay, I just found out I was changed around % 2 of the balance each month as insurance. The only way to opt out of it was to mail back a piece of paper back in XXXX. I do not think this is fair. In two years I have payed over XXXX $ for a XXXX $ balance.

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 2020-01-15 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:
In XXXX of 2019, I had a change of employment causing me to pay Arkansas Department of Finance Administration directly for the required monthly payments instead of the usual drafts from my checks. I have proof of the on time payment ; yet I have derogatory information reflecting on my Experian Credit Report. It may be a mistake but I can not afford to pay for that mistake, especially since it was not made due to me being careless. The receipts will follow.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MN

Complaint narrative:
I am a victim of identity theft. I been receiving death threats, threats of legal action of being sent to jail or prison, harassing, profane and abusive telephone calls from Discover Financial Services for a debt of {$14000.00} for a fraudulent Discover card account ending in XXXX thats not my debt or account. Its a fraudulent account and the debt is not my debt. I did not apply for a Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
Just letting as many folks know as possible, I've lived under this shadow too long. these guys are animals and do not care about anything but robbing you of everything. I signed a contract that contained solid borrowers ' rights, guaranteeing access to court due process and the right to appeal any decision. Both parties were on equal standing with rules clearly spelled out. I don't know what you would call this thing the govt created. lender, service, and collector? with the power to make the law without limits or oversight. Anyone feel like your rights still intact? I have declared my contract to be in breach. One party removed all rights from one party and somehow claimed them for their own. Contracts are not to be altered without the express consent of both parties. Folks we have a legal system, not perfect but protects rights, try to make both parties whole and the rules clearing spelled out. My contract falls under that jurisdiction. This is an illegitimate fairy-tale Great big illegal money machine. I will hold the contract as breach. I would welcome any challenge to the status. It will be in an actual legitimate court system. Until decided contrary by a legitimate state court Judge, The status of the contract will remain unrecoverable. Any attempts to bypass judicial review of my case will pierce the corporate vail and allow for a district court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2020, I entered the XXXX XXXX XXXX website to book two hotel rooms. Those hotel rooms totaled a purchase of {$540.00}. In my " Summary of Charges '' the XXXX site indicated " Get the Marriott Bonvoy Boundless Credit Card and receive a {$250.00} statement credit after first purchase ''. Initially I thought, " Ok, well they'll credit me if i purchase something later, I'll pass. '' But then to the right of this there is a breakdown of charges that displays the stay total of {$540.00} less a {$250.00} statement credit, equaling {$290.00} Total after statement credit. I then thought, " No, this will obviously count as my first purchase, according to my summary of charges I'll receive the credit towards this first purchase, what a deal .... ''. I'll also point out that this rate was for a Bonvoy Rewards member which the advertisement indicated i would automatically be enrolled in after credit card approval. I then proceed to move forward with the application, I was approved and then suddenly the next screen indicated there was an error and I could not move forward. So now, I have no way of completing the reservation, no rewards member info to book the room at the discounted rate and no way to purchase the booking with the card XXXX just encouraged me to apply for with their wonderful statement credit. So I call the number associated with XXXX and they tell me there's nothing they can do, I'll need to call Chase. I call Chase and that's when they advise that no, you can't book your stay with your new account so that you can receive the credit we've just promised you through our deceptive marketing and no we're not sure how you book on your existing credit card to receive the reward member rate. I ask for a supervisor and am transferred to XXXX an Account Supervisor who I respectfully requested two things. To immediately close my account which she obliged. Secondly, to have the credit inquiry removed from my credit report through all three of the credit bureaus since that inquiry was the result of their coordinated and deceptive marketing with XXXX. She advised she could not. I then asked her if Chase has an executive complaint office that I could be forwarded to and again she advised no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I detected in the Transunion credit agency an unauthorized authorization since I have not signed for that inquiry to be made, therefore I request the elimination of the same since for me it is totally unknown and my empirical affection. The unknown company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Phone number not available We appreciate you removing it as soon as possible. Thank you. 
XXXX XXXX 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