vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
My new mortgage was sold to PennyMAC this year. 
I attempted to make the first payment with the PennyMAC online payment website, XX/XX/2019. 
It was not functioning. It went to an error page. Calling the " customer service '' line was futile. The recording said there were 143 people in line ahead of me. I could use the automated phone payment service though - but at a {$15.00} service fee! Calling any one of their " customer service '' lines resulted in no contact in order to resolve my issue [ I could not have payed over the phone with an automated service anyway, since my house payment came from two different banking institutions. ] I finally took time off work to go to the post office to get money orders to pay my house payment. I have not received a payment conformation or any contact from PennyMAC. 
Today, XX/XX/2019, I tried to pay my house payment online at the PennyMAC payment site. I have my military and XXXX pay going to one account now [ with the XXXX XXXX XXXX XXXX through XXXX ] and tried to register it at the payment site. The site said that XXXX 's routing number was not valid. It is the same routing number XXXX offers to all clients, customers and other banking institutions. That is how my government direct deposits get to XXXX Bank. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do believe their routing number is legitimate. 
I tried calling PennyMAC 's " customer service '' numbers. Several of them. This time there were 400 people in line in front of me and one automated answerer said that I would have to wait 40 minutes to get an agent. BUT, I could use the automated phone payment service for the {$15.00} " convenience '' fee. This is called EXTORTION. 
I looked PennyMAC up on the XXXX website. There is nothing but complaints about this operation resembling mine or worse, like hidden fees, service charges for late payments and sending harassing foreclosure notices to individuals, like me, who were unable to make their house payments due to PennyMAC 's incompetence - or perhaps by PennyMAC 's design.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Today, XX/XX/2019, two unauthorized withdrawals from my Savings account left me with a XXXX dollar balance. BANK OF AMERICAI would hope XXXX and XXXX  XXXX XXXX   accounts, in XX/XX/XXXX, withdrew my interest of XXXX And XXXX cents for I believe a test. Today both withdrawals were done. 

In the past I have had many issues of scams with Bank of America on checking accounts, now my Savings.

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 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NC

Complaint narrative:
I received a prepaid XXXX card from Netspend ( XXXX XXXX ) in the amount of {$150.00} as a gift. I tried to activate the card online. The activation required much more information than I've ever provided before to activate any kind of prepaid card. The statement was that such information was required by federal law. 
After giving my name, address, phone number, and social security number on their website, the activation was not complete. The message said I needed to send a copy of my driver 's license to them or to call. Of the two numbers provided, neither was valid. 
I contacted XXXX, who then connected me with XXXX XXXX/Netspend. The agent of the company asked for my personal information again, this time adding that she wanted my birthdate. When I objected to providing so much information, she offered me an option of receiving a refund of {$150.00} by paper check mailed to my home. I agreed to the refund. 
The reason for my complaint is that this company is requesting complete and unnecesary private information under false pretenses. I am concerned that they now have my personal information and could cause me harm by using that information fraudulently.

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 2019-10-01 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: TX

Complaint narrative:
This letter is in reference to # XXXX by Midland Credit Management , LLC, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from XXXX XXXX for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with XXXX, XXXX and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted XXXX XXXX, XXXX by phone on XX/XX/XXXX at approximately XXXX XXXX with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the XXXX XXXX, XXXX records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by XXXX XXXX, XXXX to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I had an interest only promotion from XXXX XXXX/Commenity Bank. 
I called for a loan payoff prior to term ending and paid on XX/XX/XXXX the payoff of XXXX. 

All of my payments were made for XXXX. 

They charged {$400.00} dollars for interest after the payoff. Continue to charge interest and late fees on the incorrectly charged interest in the first place. I have called 3 times and told they will never remove the interest fee applied post the payoff receipt on XX/XX/XXXX. All fees have been incurred since then. I have had this card for years and rarely use and now they are reporting 30, 60 days late on my credit report via XXXX and the other agencies as well. 
I did not use an actual card for this charge they processed electronically. The company will not provide me with the account number only my statement has the last 4 digits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare LLC took over servicing our mortgage for the XX/XX/2019 from XXXX. We have made all payments on time without a problem. The problems have occurred when I make addition principal payments. The problem is when I make the payment, Loancare applies it to two regular payments and the rest to the principal instead of applying it to the principal. I have called the two times I that they did this. I am told that it will take 5 days to process  and correct the situation. The new payment is always {$15.00} hire and I do not get 100 % of the additional principal payment on my account. 
Today I called the company, the agent I spoke to again took my payment over the phone, the original payment was XXXX and I was charged XXXX for my XX/XX/XXXX payment. When I asked why the agent told me she did not know. I asked to speak to a supervisor so I can find out. I was told that the do not forward calls to supervisors they would call me back within hour. That was at XXXX XXXX it now XXXX and no call has been received. 
The two incidents occurred on checks written : XXXX XXXX and XXXX XXXX. 
Additional information available.

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 2019-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( XXXX ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys charged a different Credit Card without my consent. 

I use the Macys Store card when purchasing items in store, and somehow Macys charged me for an alternate XXXX XXXX Credit Card, which I did NOT use or even activate yet. They charged this separate card with out my knowledge or consent. I didn't even have the card with me. 

Because I had No knowledge of this account being charged, I didn't pay the bill on time. I was charged late fees because I had no idea these charges existed on my account. 

when trying to settle this problem, I called Macys Customer support on XX/XX/2019 and after speaking with a representative they assured me that a bill to be sent with the total amount {$28.00}. 

Upon receiving the bill on XX/XX/2019 i was charged for several late fees. 
two fees for {$67.00} plus the balance of {$28.00} with a total of {$95.00} I believe this type of business is unfair, because Not only was I charged on a Credit Card that I gave no consent to use. But I was charged for late Fees on that same account because I had no idea these charges existed. 

I have to this report problem, because it is unjust. 

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 monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: FL

Complaint narrative:
CREDIT REPORTING COMPANY TRANSUNION HAS FAILED TO REMOVE FRAUDULENT ACCOUNTS DO TO IDENTITY THEFT FTC REPORT MADE AND LOCAL POLICE REPORT CASE NUMBER XXXX COUNTY SHERIFF DEPT.

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 2019-10-01 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: GA

Complaint narrative:
I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt #  XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number 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 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Credit Adjustments Inc
State: TN

Complaint narrative:
My wages are being garnished for a student loan and have been for a year. This is has caused me a great deal of stress. I have XXXX XXXX XXXX and have had to have several XXXX  which causes me to be off work.Due to XXXX with my illness I exhaust my vacation and PTO days. I also have a XXXX, XXXX, and XXXX that I have to see monthly. I contact Credit Adjustments Inc,XXXX to discuss payment options and was told that I had to pay the amount in full. My health not getting any better and I would like to be able to make monthly payments toward this debt. I had to drop out of school and unable to complete due to my illness and with the garnishment it is making it difficult for me to afford the basic necessities. I understand my financial obligation and under no circumstance am I negating my responsibilities.

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 2019-10-01 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: GA

Complaint narrative:
I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED,  USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
I CAN FILE AS MANY CFPB-COMPLIANTS AS I WANT TO LETS STOP PLAYING GAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California, XXXX Collection Consultants of California Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOEXXXX, XXXX XXXX XXXX, XXXX 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