vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-28 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2022 I called the company " Credit Control Corporation '' XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, after receiving a letter from them that I owed {$71.00} from a outstanding bill from XXXX XXXX XXXX After giving my name and the REF # provided on the letter they could not find anything in there system under my name, phone # or the reference # or EDP # XXXX that was provided on the letter. The woman that I was talking to got her supervisor and consulted with no results. I went to a web site listed, XXXX  and it pulled up my name using the REF # provided but it was for a larger amount of money, {$110.00}. I am concerned that this is a scam and I am not shore how to proceed. 
Please advise

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 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I went to XXXX hospital for treatments and from then they started sending me very high bills instead of using the insurance provided to them. They never made me aware wether the insurance was active or not. They never provided me with any treatments as of today but they decided to send me to collections without notice. They are refusing to assist me and are ruining my credit. I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
SPS assumed my 2nd mortgage effective XX/XX/XXXX. We submitted a subordination request in conjunction with a refinance of our primary mortgage loan & rec 'd confirmation of the request from SPS dated XX/XX/XXXX. On XX/XX/XXXX, we were informed that they couldn't complete the subordination agreement b/c they were not listed on the deed/title as the 2nd lienholder. For more than 6 months, we called and waited for them to get the matter resolved. In XX/XX/XXXX, we were informed that the subordination was approved. On XX/XX/XXXX, SPS finally mailed the signed subordination agreement. However, they added a clause that the refi couldn't exceed a certain amount, which was lower than the refi. So, we had to go back to them yet again to get the subordination agreement revised and re-signed. It is now XX/XX/XXXX and we still have not received the correct and executed subordination agreement. This has been going on for 9 months and has cost of countless hours and thousands of dollars in interest paying on our first mortgage with an 8 % interest rate b/c we haven't been able to close on the refinance at a 4 % rate while waiting on SPS. We also have had two appraisals expire during that time and have had to order and pay for two new ones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint against mortgage holder Shellpoint Mortgage. 


Mid-year XXXX I was granted a forbearance. In XX/XX/XXXX I lost my job due to COVID and though I tried to make the monthly payments, to which by the way were always done on time before the COVID pandemic, it just became impossible. 

The government then helped with the additional {$600.00} of unemployment at which time I scheduled a payment in XX/XX/XXXX. This payment was for two months in the hopes that the following months I would be able to repay the three months missing. I was then two months behind. 

XX/XX/XXXXXXXX ACH Electronic Debit NEWREZ-SHELLPOIN ACH PMT XXXX Because I had made a two-month payment, someone in your company reached out letting me know that they would put the two months left at the end of the loan granting me with a forbearance. When this option was presented to me I asked, " if things don't get better through this pandemic and I am again not able to pay the mortgage, can I qualify again for another forbearance? '' The answer was a strong 'ABSOLUTELY ''. 

I went ahead and made the XXXX payment XX/XX/XXXX ACH Electronic Debit NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX Then unemployment stopped the additional {$600.00} putting millions of people in financial trouble. 

I requested another forbearance through your website. I started calling as well. I have never been in this type of situation. Many of the times I called I would be sent to voicemail letting me know that they could not answer and to please try again. I did, unsuccessfully. I started leaving my name and number along with the loan number for someone to call me back ... ..NOTHIING. 

At the end of XXXX, I was finally able to talk to a gentleman who informed me if I paid three months at the same time the rest of the months would be put back at the end of the loan. As difficult as it was, I was able to make the three months payment for a total of {$9300.00} This gentleman lied to me because he never did what he said he would. 

I continued making the timely monthly payments after XXXX all the way to the sale of the property. 


My loan was assigned to XXXX XXXX XXXX. She seemed to have understood and cared. First thing she said was " if you were told that after paying three months at once you would go into forbearance with the other months, they SHOULD have kept their promise She also mentioned she could not understand why this was happening since I was making my monthly payments on time. We started working on a payment plan which we finally agreed on in XX/XX/XXXX at which time Shellpoint Mortgage reported me late. 

The new increased payment was effective in XXXX, and they continued reporting me late. This time for XX/XX/XXXX and following months XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from 10 XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with FRANKLIN SERVICE INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by XXXX XXXX XXXX stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). FRANKLIN SERVICE INC can not and will not ever produce a contract between me XXXX XXXX and FRANKLIN SERVICE INC because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have been part of the XXXX program for over a decade and on XX/XX/XXXX I received loan forgiveness. Under the waiver program announced on XX/XX/XXXX by President Biden I have made additional qualifying payments in total 144 in a program at required 120 payments. I talked with Fedloans, my servicer and the Department of Education directly. 
My initial call to Fedloans regarding the refund was on XX/XX/XXXX with - XXXX  ( employee ID XXXX ) where she informed me that refunds take 2 weeks to 2 months from the department of education. She told me to contact the DOE directly and gave me their number. On XX/XX/XXXX I contacted the DOE and spoke with XXXX XXXX case number - XXXX ) where she told me that the DOE does not process refunds but the XXXX department within Fedloans would process it. On XX/XX/XXXX I called Fedloans again and spoke with a supervisor XXXX ( employee ID XXXX ) who assured me that the repeat employment verification form that I submitted on XX/XX/XXXX needed to be processed and then the refund would be issued. He again stated that refund windows are 2 weeks - 2 months. I called twice after that on XX/XX/XXXX and XX/XX/XXXX was told my refund was still in process. I called again on XX/XX/XXXX, after the 2 month process window from the original call request and was told by XXXX ( employee ID XXXX ) that the repeat employment verification form was denied and that there is no refund because my forgiveness effective date was XX/XX/XXXX. This was despite acknowledging that my loans were not forgiven until XX/XX/XXXX well after the waiver had been introduced. I would refunded for the 24 additional months of payments that I made under XXXX. Many of those months occurred during the COVID forbearance but XXXX I made payments totaling {$9400.00} that I would like refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted a dispute Paypal and Paypal Credit regarding a fraudulent and unauthorized transaction on my account. After they " investigated '' I was informed the charge was not unauthorized. I do not know the retailer, do not know what was supposedly sold to me, and never received anything from them. 

I called both PayPal and PayPal Credit to request my account be closed, however, they told me that the account can not be closed because there has been transactions within the last 180 days. 

I have no way to stop this fraud, nor any way to stop future fraudulent activity by closing the 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 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been part of the Temporary Extended Public Student Loan Forgiveness program since early 2019. I made income driven payments, which I was told would get me to where I needed to be in order to be forgiven. I called dozens of times, and spoke to people to make sure I was doing what was required. I am now in a place where I should be forgiven. However, the servicer is claiming that they do not recognize the EIN of my employer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I submitted the number, and they rejected it. They asked for my W2, which I sent. They are still rejecting the number, which is disingenuous. They were accepting my employment certifications for over two years, and calculating my payments. My certifications had the same EIN. Not sure what else to do, since there does not appear to be a live person to help me. I'VE CALLED OVER 35 TIMES over the last 2+ years to make sure I was doing everything correctly. 

I have called FedLoans/XXXX, Studentaid.gov, and have gone round and round. Each person refers me to another person. I've filed an ombudsman complaint, a complaint with studentaid.gov, and a complaint with the FTC. No word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I purchased a XXXX XXXX for approximately {$2000.00}. 
At the end of XXXX I paid the bill in Full, including all the current charges, so my balance would be {$0.00}. 

I pay my bill every single month to reach a balance of {$0.00}. Occasionally paying 2x a month. 

Within the return period, I returned the complete XXXX XXXX, I got a partial refund and they delayed refunding me the full amount. I called Capital One to dispute the charge, and get the remaining amount of {$1000.00} stating that I want a refund and returned the money. Capital One issued a " Provisional Credit. " - in XXXX XXXX refunded the {$1000.00}. In the meantime, I continued to pay my credit card bill in full. Though at Capital One refused to allow me to pay on a certain amount stating I had a credit. 

On XX/XX/XXXX, Capital One then billed me {$1000.00} saying I owed it for the provisional credit. 

After careful review of my bills : Capital One is fraudently charging me {$1000.00}. So in essence, I'm being charged double for a bill I paid completely in full. 

Money I paid - {$1000.00} Money I was provisionally credited : {$1000.00} Money refunded by XXXX : {$1000.00}. 

As you can see Capital One now has {$2100.00} of my credits- from monies I paid and the XXXX refund. Plus all the other charges I have also paid in full You will see, that in XXXX, I paid off the complete balance of the XXXX Account. On top of my regular bill, and I paid in XXXX the full amount of the bill. Today I paid the bill in full again. But Capital One has refused to credit my account, even though they have not credited my account nor has it been debited from my XXXX XXXX Account. They are purposefully delaying transactions All of my other accounts have been paid in full. After reviewing my statements against monies paid to Capital One, they are playing a shell game with may payments. This is a complete violation of CFPB Law. When I pay a bill off in full, Capital One can't hold my money and apply it when they want to, and they credit my funds. Their refusal to accept my payment of my bill stating a credit, in full is also a an outright violation of CFPB Law. They are manipulating payments illegally to show better return to investors. 

Capital One is also not crediting my account with money I have paid electronically on the date I have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
An inquiry was opened under my information and account for JPMCB Card. The Inquired date is XX/XX/XXXX XX/XX/XXXX and the removal date is XX/XX/XXXX. The contact info is Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX Account number : XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have gotten repeated calls from AWA collections during the day and night. Every time I have spoken with them they threaten to take me to court or have me arrested for fraud which has caused so much XXXX  I don't eat can't sleep. They are very persistent and when I filed a complaint with XXXX  trying to tell them that this debt does not belong to me nor do I even know what it is for. All they did was update the information I was complaining about with AWA instead of removing it from my report because it was wrong

Company response to consumer: Closed with non-monetary relief