vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-30 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: LA

Complaint narrative:
I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!

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 2020-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
In 2018 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$5000.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 131.571 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1500.00} more to the interests ; I called the collection company " XXXX  XXXX XXXX XXXX  '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my autorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$5000.00} you will end up paying the ridiculous amount of {$23000.00} after you are done with all the payments, meaning that the Financial charge is {$18000.00} plus the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: AZ

Complaint narrative:
In XXXX of 2020, I received an email stating my automatic payment did not go through and it was due that day. So I got online and made a manual payment. A few days later, I noticed it was taken out of my bank twice and paid twice to the company. I reached out by email and due to the pandemic, I needed to call but there were horrendous long waits. In may I did an online dispute with my bank and they agreed with me and refunded my money. In the mean time my loan was considered late as this payment was removed from there system. I called and reached out to them and even spoke with a supervisor. I finally got a case number and asked them to reach out to my cell phone. No one has called except for collections. I finally got an email and wrote back to the lady with no response. I got a collection letter stating they were going to turn me over to a collection agency. I printed out all my documentation ( 20 pages or so ) and sent to the attorneys office listed on the letter. I sent it certified return receipt. No response. I finally wrote the lady again with my case number and to the service department and waited a week with no response. I'm still getting collection calls on my home phone! I have since been charged every month with a different late fee. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have been 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 explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong 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
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong 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
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I intiated two XXXX transfers by linking my accounts together done on XXXX XXXX from one account to another both of them mine two separate accounts. Every since I have not been able to access my account. It has been restricted. The funds are from my retroactive unemployment. I have wrote multiple emails to them. They requested I send them where the money originated from w/ my name and last 4 digits of account #. I did still nothing. When I call the bank a recording automatically comes on and says my account is under review and I cant access live chat from the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have an auto loan. During natural disasters such as covid19, the company agreed to waive the payments. It took a XXXX and attorney general complaint each and every time. Each time the phone team advises it wont negative impact my credit. But it does. Most recently today. The information responded to the florida attorney general and XXXX says it wont impact my credit and my payment isnt due until the  end of XXXX. My credit report needs fixed. 

1 ) XX/XX/XXXX was a covid19 disaster approved skipping of payment, needs fixed on credit report.

2 ) XX/XX/XXXX was a XXXX  and chase approved disaster Hurricane Michael, however is incorrectly reported. 

Please fix these errors, the company has been notified clearly of this both by the XXXX, attorney general of florida, governor XXXX XXXX and lt gov of florida. On the phone an XXXX XXXX  lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please extend my covid19 payment skip,  extension thru the end of XXXX, as it has been a slow recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Back in 2016 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$4500.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 95.620 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1900.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my authorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$4500.00} you will end up paying the ridiculous amount of {$15000.00} after you are done with all the payments, meaning that the Financial charge is {$11000.00} plus the {$4500.00}. Please somebody do something about this ; this company should not exist or they should lower the interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I settled an account with Ashley furniture/sychrony bank  after my ex wife opened an account using my information. I paid roughly half they agreed to remove settled account within 60 days. Instead they reported I was working with a credit counseling agency which Im not and shows a balance instead of XXXX. Wrong info being reported is a violation and must be removed, both the bureaus and the company keep verifying it accurate which is untrue and illegal

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 2020-08-30 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:
Upon viewing my credit report I found an inaccurate late payment from XXXX  that was reported to Experian, XXXX, XXXX  XX/XX/2019. I was never late on this 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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I had a personal account at : XXXX XXXX XXXX XXXX, FL XXXX. This personal account was closed and the company refuses to send me a return label for the equipment and final bill reflects these errors. They offer by phone to send return box for equipment but it never comes. When i call each phone rep gets an attitude and gives random addresses, with varying instructions. It took a XXXX  and attorney general complaint each and every time no resolve. My credit report needs fixed asap as well. I know the company likes billing me for old equipment at top dollar, but id prefer a return label. All this during a hurricane fema disaster that caused me to move. On the phone since an XXXX american lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please send a return label and final bill for the business account : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. Also please issue the 2 week prorate credit for the outage in XX/XX/2020 that was promised, as it still never was fixed and I got tired of arguing with the same people who are protesting like idiots.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
So I have a bbt credit card. The bright one. U went on vacation and stop and used it at several gas stations. Got back and noticed a fraudulent charge for XXXX. Reported it to XXXX XXXX. They disputed the charge and sent me a new card. They did not say they were going to close the account and open a new one. When bbt did this. It dropped my credit score significantly. I need help resolving this issue. Please contact me at  XXXX. thank you.

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 2020-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow  account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
I began the process to cash out refinance using XXXX XXXX and decided upon Amerisave. The process began on XX/XX/XXXX with an immediate hard credit pull. I agreed to proceed with Amerisave ( instead of 1 other company ) because they promised a rate of 2.625.  I completed the disclosures and paid {$520.00} for an appraisal. The appraisal was completed and report received XX/XX/XXXX. I unexpectedly received a new disclosure statement with a change in rate to 2.25 but still floating. Prior to the appraisal, I asked why the rate was still floating. I was informed by loan officer XXXX XXXX XXXX ID # XXXX XXXX that the rate would lock in after the appraisal. I have provided all information as requested to the loan officer in a timely matter but as of XX/XX/XXXX, there has been no movement on the application and no loan processor assigned. I last provided requested employer information as they indicated it was a time sensitive request on XX/XX/XXXX which was provided several times both in my application as paycheck stubs and direct HR contact information. My last callback received was on XXXX. Since then I have inquired several times and the company has now stopped all communication. There has also been no change in status on the online platform. My last email from XXXX was received on XXXX XXXX. This was the first email received in weeks and was a response to my emails informing them of my change in availability. I was merely instructed to forward my email to XXXX XXXX, his manager. I have called and left voicemails for both the loan officer and his supervisor, XXXX XXXX. I have also emailed several times explaining that my XXXX XXXX status affects my availability for this application to extend beyond 90 days as I will be needed to close in-person once finalized and I may not be locally available to do so. As an XXXX XXXX XXXX who has responded to the pandemic, this company and their lack of responses are causing undue stress. I feel as if I have wasted my time and money including a hit to my credit report interacting with this company ; time and money I could have spent with another, more responsive company. I now feel as if I am in limbo and am left with no recourse other than a hit to my credit report ( and another hit should this application be canceled and I am then forced to start over with another company ) and wasted time. For the record, this is the second company to waste my time during COVID on a fake refinance. I was solicited by XXXX XXXX ( my current lender ) while on XXXX and due to their inability to  communicate or stick to set closing dates, I was forced to withdraw my application. This will be a total of 5 months of time wasted with these lenders. Something must be done. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: NY

Complaint narrative:
Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX, Transunion, XXXX XX/XX/2019. I was never late on this 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 non-monetary relief
Consumer complaint received 2020-08-30 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: NY

Complaint narrative:
Upon viewing my credit report I found an inaccurate late payment from XXXX that was reported to XXXX XXXX, Equifax XX/XX/2019. I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I took out a loan on my car and car needed to be traded for a new car. So i took a new loan for the title. I only owed XXXX and they gave me XXXX. Now my balance is XXXX. The are ripping me off. Can you please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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:
After reviewing my XXXX, Experian, XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this 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