vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Liberty Holdings, LLC
State: MO

Complaint narrative:
A very loud and rude threatening call several times, left voicemail. Calls come from an unknown number and the voicemail is threatening and calls me by my first name, and then says it is someone elses account. Made numerous threats and left this phone number to call back. XXXX. I called it back the lady said her name was XXXX XXXX and I could hear the other woman screaming the same script to someone else on another line. I repeatedly asked they do not call my home again.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a XXXX XXXX XXXX credit account through synchrony bank, which I paid faithfully, never missing a payment, even during 7 MONTHS OF UNEMPLOYMENT, stemming from a work related injury. XX/XX/XXXX I paid the account in full, and was abruptly informed that my account was being closed BY THE COMPANY, due to a low credit score. I am outraged that this is how people that truly try and pay their bills and better their credit get treated. XXXX XXXX would be ashamed. I would like my credit account reinstated as I am a faithful XXXX XXXX XXXX patron, and have repaid all credit extended to me. My credit score has also risen 45 points since the termination of 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 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
In XX/XX/2017, I was contacted by a representative working with XXXX XXXX who mentioned that they would help me pay back my student loan setting up IDR plan with the XXXX of their financing company Equitable Acceptance. They stated that they will consolidate the loan amounts, and the plan would allow me to pay one amount towards the loan. During this time, i had gone back and forth numerous time with hours and hours of call time in understanding how they would help me in paying back my loan. After multiple explanations and scenarios, the rep stated that he will have a partial amount to go towards my loan repayment and the other half would go towards the equitable acceptance company as a service fee. They also debited a few XXXX dollars as a down payment for the services to get started with them which I also paid. 1 year later, today, after numerous attempts to reach a rep over at the equitable, finally a Case worker called and started telling me that the amount agreed a year back was going towards the service only, and not towards repayment of my student loan. Technically, last year, 12 months of payments that Equitable received from me was in their pockets and not towards my student loans as promised. They even have the recording of the rep confirming that X amount is going towards student loan and X amount is going towards the service fee. In other words, the partial X amount of money that I was promised that would be going towards my loan is not reflected on my total loan at all, instead they placed me in delinquent status. Consequently, due to the fraudulent and shady tricks of Equitable and XXXX XXXX, my credit is at risk, my hard earned money is gone and interest on my student loan amount is accruing every day. The rep at Equitable is not willing to cancel the service or refund the amount even after explaining the whole thing to them. Instead he is telling me that contract was made and it was signed by the consumer, therefore I have to pay the full service fee. On top of that, my loan amount -- - they have nothing to do with it. This new rep clearly mentioned that they DO NOT help in repayment of loan, then why was the previous representative saying otherwise? ( the call recording confirms that previous rep will be deducting X amount of money to go towards loan as a part of the service fee ). Also, the contract was electronically signed by the Rep over at XXXX and equitable acceptance, I did not sign it physically. Equitable is tricking thousands of students like this, playing mind games and manipulating their words and not explaining clearly is just frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TX

Complaint narrative:
Equifax, XXXX  and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC
State: NV

Complaint narrative:
XXXX XXXX agents made us apply with Keller Mortgage, against our wishes and then tried to bribe us to use them by paying us XXXX. This is an obvious respa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/19 is the last day i had my debit card i made a purchase that day.that same day my card was lost and fraudulantly used in multiple things includeing a fraudulant claim made with chase and fraudulant deposits and fraudulant withdrawls and fraudulant transactions totaling over XXXX $ chase is denying my dispute for multipe inconsistencies/red flags which include my pin was used and writen down whitch is not enough to deny my claim accourding to the laws protecting me as a bank consumer and they refuse to use audio and video footage to prove it wasnt me they stated that thats not evidence. another inconsistency was that my account was being moniterd by a trusted device around the days of the charges and nothing was reported i do not remember looking at my account and i tried telling them other people has access to my account overview and that i had no idea of knowing about the transactions. also they said a day or two before i reported i lost my card charges were denied on my account because chase thought they were fraud and they never showed up on my statement and i wasnt notifed so how could i know they whouldnt tell me what they were either so i might of made those charges and i might not of how could i know if i am not told what they are. also i recieved the two fraudulant that someone tried depositing in my account from chase in the mail and ive never even heard of the place writen on the checks and the signiture on the back is not even close to my signiture and they have my signature on file. they have already taken money out of my joint accounts trying to get the money they think there owed back this is ridicouls and all chase can tell me is to find evidence and show them and that this is a unfortuite sittuation.none of there so called inconsistencies make sense or dont hold up and they cant deny my dispute because i wrote the pin on my debit card but they are.please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TX

Complaint narrative:
XXXX, XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX  XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TX

Complaint narrative:
XXXX, Experian and XXXX  are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. 

Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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 — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I made arrangements with XXXX XXXX to remove numerous collections from my accounts once I paid them. The hospitals billed each service separately and I lost track of all the bills. I explained this to XXXX and that the collections were all medical and all to the same place. They agreed to remove the collections ( or at least all but one since it really was only one account holder with many diffrent bills. ) And the agreed. However, now XXXX is stating its credit reporting agencies job to remove them, but the agencies are saying they can't do any thing with put XXXX approving it. Also XXXX bought a collection from XXXX ( XXXX XXXX XXXX XXXX ) and it was paid to XXXX as agreed upon. XXXX is the only agency that refuses to remove this collection as an open collection on my credit report. XXXX and XXXX have already seen to it. So here, I have made all the calls, emails and mailed, emailed, and faxed every receipt and correspondance requested of me with no resolve. I am at a stand still with a purchase offer on my first home, the sellars waiting for final approval from my credit union,  an no one working with me to achieve what was promised. I feel hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is a account from XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy 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 2019-03-27 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: PA

Complaint narrative:
I opened a new credit account on XX/XX/XXXX with XXXX XXXX where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at XXXX and could not find the account in question as it did not show up in my virtual wallet that I set up with XXXX personnel for all of my accounts. I worked with XXXX personnel to try and find the account information. After searching XXXX customer service figured out where the account information was located. I paid the amount due on the XX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that XXXX never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to XXXX Customer Service I spoke on the XX/XX/XXXX to the XXXX Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though XXXX personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX sold and closed on our home at XXXX XXXX XXXX XXXX XXXX Ga XXXX. We put money in our escrow account every month to pay for taxes and insurance, and it has faithfully been paid by Amerihome Mortgage company. On XX/XX/XXXX XXXX sent an electric payment to XXXX County Tax Comissioner to pay for the taxes, and on the same day they stopped the payment. In XX/XX/XXXX we get a letter from Tax Commissioner saying if we dont pay the taxes for this property, they were putting a lien on it, that the taxes have not been paid and we are responsible, plus late fees And we had to pay a {$35.00} fee because Amerihome put a stop payment on their check. We have spoken to Amerihome 3 times now and they have mailed the check on XX/XX/XXXX and that they couldnt help that the mail havent delivered this check, it was now out of their hands. We have paid {$2200.00} to the Tax office and called Amerihome today asking where our check was and today the supervisor XXXX, said that we will not be reimbursed for the {$35.00} where they stopped the electronic payment, nor would we be reimbursed the {$43.00} late fees. We want our money back. XXXX from Amerihome badge number XXXX even told us we had been lied to that the check had never been mailed out, that she would expidite the check to us. That was on XX/XX/XXXX. Today XXXX the Supervisor said that she will stop the check and it will take 7 days to stop the XX/XX/XXXX check and then 7-15 more days after the first 7 days to stop it for it to get here. We are being lied to, it takes us 30 minutes to an hour to tell each person we are put on the phone with the story. We have changed our phone number with these people 3 times to the right number and yet when we call in and tell them the right number, they dont have our account under that number. I feel we should either get the {$35.00}, and the {$43.00} from Amerihome or Tax Commisioner. We were told by the tax commissioners office if we didnt pay this that they would ruin our credit for up to 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I have been in contact with the company on a regular basis due to numerous issues I have encountered while trying to make payments. I was blocked out of my online account and have yet to regain access to it. Every agent I speak to they guarantee it will be back up within 48 hours,  but it never is. I was instructed to delete and reset the account and yet nothing. 

XX/XX/2019 - Spoke with an agent who stated I would receive a phone call from IT to figure out the state of my account and no call was received. 

XX/XX/2019 - Made a phone payment. According to TFS this payment was never processed. The payment goes through XXXX XXXX, and they recommended I contact my bank. The problem is, this payment never applied to my bank account but all bank information was taken and a confirmation email was sent. 

XX/XX/2019 - Made another phone payment. Received an email confirmation. 

XX/XX/2019 - Called in regards to my payment not posting. Agent stated the payment is still processing but on the TFS end the payment is posted on my account but not applied or processed. Problem is that I do not have access to any of this. Agent stated I need to make yet another payment in order to be brought to current but they can not guarantee when the payments will process and if I will be current. I have a problem with continuously handing out various confidential information and not knowing what is happening with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a loan modification for my home. I own an auto repair business in XXXX XXXX, CA. The XXXX fire that started in late XXXX and continued into XXXX impacted my business in various ways. Many of my clients lost their homes and vehicles and had to move out of the area. I lost them as clients. Many people lost their homes or suffered significant damage and had to move away. While the fire did not burn my business down, the embers did fall on my building and cause damage. The rains that followed the fire in the winter of XXXX then resulted in floods and mudslides that also destroyed more homes. Again, I lost more business due to that disaster. Additionally, my building also suffered damage because of the rains. 

I lost a lot of clients and business due to the fire and rains of XXXX and because of this I had trouble making my mortgage payments among other things. I applied for a loan modification because i need help to stay in my home. 

My loan had been with XXXX XXXX  XXXX but it was sold to SPS recently. I applied for the modification once the transfer to SPS was complete. I submitted my paperwork in late XXXX and just 2 weeks later they made a decision. They didn't ask any questions in reviewing my application. 

The lender completely ignored the hardship I suffered because of these natural disasters and only granted me a repayment plan that is more than double the amount of my monthly mortgage payment. How can I pay the new amount when I was struggling to pay the old amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was alerted by XXXX that a collection was placed on my credit report by a company COMMONWEALTH FINANCIAL SYSTEMS. I have no knowledge of this company nor was i EVER contacted about any debt owed. I have not been contacted via phone, mail, or email so I assumed this was a mistake. I don't understand how anyone can placed ANYTHING on your credit without giving you an opportunity to acknowledge it, address it, fight, or dispute it. I don't know if that is even legal to do but I know its not right to do.This is not fair for any company to place for what I know FALSE information on my credit file without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a account from XX/XX/XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!

Company response to consumer: Closed with explanation