vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
First of all I am very grateful that State Farm responded about my identity theft case, but I have to make another complaint against State Farm. I understand that you tried to call me but I was outside the country so I couldn't respond but since yesterday and today I have called up to 5 times and all have lead to voicemail, I have left messages and nothing. But I don't understand why you give up after only two unanswered phone calls, either way what is there to talk about? I am a victim of identity theft and many negative things have happened to me because of it, there is nothing to elaborate. Do you not want to make the dispute or remove it, what is it? This accounts are not mine and never were I have no idea about any transactions with this account because this account is not even mine, end of story. I have made police reports, FTC reports, FTC affidavits, etc. I have done everything I can do as a the victim, all the information that is needed I will leave in this complaint. All the information needed that I can give is going to be and has already been given. 

The following documents will be attached : The police reports FTC report FTC Affidavits Letters of blocking requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I had taken out a 10 year mortgage with Quicken Loans. I was fortunate to pay down my loan quickly and use savings I have accumulated to pay the loan down in the month of XX/XX/XXXX to a principal amount to be satisfied with my final regular scheduled payment in XX/XX/XXXX. XX/XX/XXXX came and Quicken did not pull the final payment that was scheduled to be paid by automatic payment and they forced me to have a payoff statement printed when I called in to inquire why. They took my final payment over the phone but charged me {$25.00} for printing a payoff statement that was totally unnecessary. I believe this practice is in place to avoid Quicken sending numerous statements to 3rd party lenders to compensate them, but after getting a call each day asking about a refinance I think the fee is so they can pay folks to harass me as to my intentions with payoff the loan and solicit me for borrowing more $ circ 2000 's  companys pushing sub prime loans. Since I paid this loan off in the ordinary course of payment NOT REFINANCE why should I have to pay {$25.00} to allow Quicken to simply pull the regularly scheduled payments when due which have brought my loan to {$0.00}. I am ok with them charging me {$55.00} to send the satisfaction piece to my recorders office as this is a direct charge, but this extra {$25.00} is due back to me and all other borrowers that were able to payoff their loans in the ordinary course of servicing not through a refinance with another lender which is what the {$25.00} is meant to do. Otherwise Quicken needs to clearly disclose to customers that their last payment in the amortization will be increased by {$25.00} to pay them a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel EXPERIAN and XXXX  did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe 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
Consumer complaint received 2020-06-10 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: Nelnet, Inc.
State: MN

Complaint narrative:
At the beginning of 2020 I saw that my loan servicer Great Lakes Loan had abruptly ended my automatic loan payments. They said because it was the start of a new year. This has never happened before. I reapplied my auto payment tp see that the exact same thing happened after XXXX. The little progress I have been making has been undone because now 100 % of payments will now got to interest to pay off the nearly 1K I have in unpaid interest making it very difficult for me to pay off my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
1. XXXX provided emergency medical services to me on or about XX/XX/XXXX at XXXX XXXX XXXX in XXXX, Illinois. 
2. At the time of services rendered, I was insured by a healthcare plan administered by XXXX XXXX XXXX XXXX. 
3. I submitted his insurance information to XXXX XXXX XXXX via its patient portal on or about XX/XX/XXXX. 
4. XXXX never sent a bill to me for services rendered, nor did XXXX file a claim with XXXX XXXX , XXXX. 
5. XXXX, having access to my valid insurance information and in its failure to make a good faith attempt to file a claim with XXXX XXXX XXXX XXXX, placed a bill for the amount of {$970.00} for collection with HRRG on or about XX/XX/XXXX. 
6. In an attempt to collect a debt, XXXX and HRRG have refused to comply with requests to validate indebtedness by providing detailed information related to the services rendered by XXXX and its management of a claim with XXXX XXXX XXXX XXXX. 
7. The latest attempt to verify the debt occurred on or about XX/XX/XXXX, wherein I received a letter from HRRG which briefly and simply stated the debt had been validated with their client, providing no further detail. 
8. The acts of XXXX and HRRG as alleged above, were done and performed wantonly, willfully, and maliciously, in total disregard of my rights. 
9. The aforesaid actions of Defendants were in gross violation of the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692, et seq. ) 10. The aforesaid representations made by HRRG to me were fraudulent, in that XXXX never attempted to bill me for services, never attempted to file a claim under my healthcare plan administered by XXXX XXXX XXXX XXXX, HRRG and XXXX never made a good faith attempt to validate the alleged indebtedness even after they were informed of their error by me.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This bank repeatedly and regularly declines transactions that I have funds in the account to cover, removes said funds from my account anyway as a pending charge that you cant dispute until it posts, which it never does because they declined it immediately, and then wont put the funds back in the account for an irregular and sometimes indefinite amount of time. Every time i call about it Im told tomorrow and then tomorrow comes but the money doesnt. This has happened 3x ( usually 2 or 3 pending charges each for a purchase that I was only trying to make once ) in the last 3 months with 3 different vendors and usaa keeps trying to tell me the problem is with everyones system but theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS 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 non-monetary relief
Consumer complaint received 2020-06-10 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: CORELOGIC INC
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS 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 2020-06-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel XXXX  and TRANSUNION did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe 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
Consumer complaint received 2020-06-10 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: LEXISNEXIS
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to access my Experian free annual credit report on XX/XX/2020 and XX/XX/2020. I am unable to receive my free annual credit report online. Both times, I received the following error message. 

" A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' This message is too vague and I do not have the option to work with Experian to research or resolve the " condition ''. There is no contact information such as a phone number, email address, or mailing address. 

I had no issues obtaining my credit report from the other two agencies.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
One day out of the blue, Paypal limited my account and all they say is that my activity is somehow " suspicious '' without an explanation. Also they are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money immediately, not in six months. This is my money and I should have it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
During the Corona Virus Pandemic, I was unable to make my payments by phone, or store. Kept stating it was closed. When I finally got someone on the phone in XXXX, supervisor state she would fix everything and reinstate my credit card and credit report if I would fill out a government form stating I was affected by the Pandemic? So I did! 
I also made a payment of {$100.00}. 
Well after I did as they asked, they reported me to all three credit reports companies as 90 days Late, delinquent, and in collections!!! 
As of today, my credit report Dropped 320 puts.!!! My credit report shows XXXX!!! I am so embarrassed. 
Synchrony bank never fixed or corrected my credit report as promised. Never fixed my line of credit either! 
I feel I was discriminated against, taken advantage of, and given False Information so  the bank could collect money from the government due to the Pandemic!!! 
Please help me and stop them from frauding the government and my rights per Credit Reporting.

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX or XXXX of 2018, I called the creditor to inquire on the expiration of the no interest promotion period as I was aware that the expiration was approaching. During that call I asked for an extension and the customer service representative told me that he would extend the no interest promotion for an additional 18 months. The conversation went on for about 5-10 minutes and when it ended I relied on the creditors indication that I didn't have to worry about paying the full balance, which was at that time no more that {$270.00}, in order to avoid a high amount of interest. All my payments since then have been timely taken from my account on auto pay. However, recently I noticed that the balance remains high although I pay {$76.00} per month. I've made one more purchase since then but not enough to keep my balance so high. Because of the shelter at home orders, I had time to call the creditor to inquire. I was told that the extension was never applied and the creditor added a significant amount of interest to my account since XX/XX/2018. The creditor told me that the call with the previous agent I spoke with in XXXX was recorded and they would listen to it to confirm what I was told. I was certain this would resolve because I was in fact told this by previous agent, but the creditor is denying that I was promised an extension. I relied on the promised extension, otherwise I would have paid off the then approximately {$270.00} to avoid the bulk of interest. I was deceived and am now paying unnecessary interest 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 2020-06-10 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: NJ

Complaint narrative:
Fraud scratch account in Experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I informed Equifax that a previously DELETED Account XXXX XXXX XXXX acct # XXXX, had been re-inserted onto my credit file and that I was not notified by them within the 5 days per FCRA. To date, the entry is still reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
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. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -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