vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmNet ESOP Corporation
State: GA

Complaint narrative:
I signed an initial LE that was correct except for it had me paying 25 % down instead of 20 %. The LE had a rate if 3.625 % with 200 in points. Lender and I discussed this change and he asked me to sign and he would fix later. It was communicated to the lender that the closing date would be XX/XX/XXXX. It is in writing at least 3 times. I followed up with the lender multiple times up until closing and was told everything was OK. Less than 24 hours before closing I was told I would not be closing and they needed more documents. New closing date is XX/XX/XXXX. On XX/XX/XXXX I received the LE in preparation for closing. It was 20 % down, 3.625 % rate and points was now XXXX. I went back to the lender on XX/XX/XXXX to discuss this discrepancy and no response that day. I was never informed of the change. The next day I contacted the lender again. I was told either I needed to pay that or to make the points better pay 25 % down. He was supposed to talk to his leadership and stopped responding to me, so I asked my husband to call him from an XXXX XXXX. During that call he tried to convince my husband to sign the LE. Loan officers actions were DECEPTIVE. I cancelled the loan due to the lenders deceptive practices. Because i did not sign the LE, i was gauranteed to again miss my closing date. I repeatedly and through many channels asked for help from leadership and never received help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: OH

Complaint narrative:
i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact security credit services in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 Equifax score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my equifax score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to XXXX XXXX Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online XXXX login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. XXXX gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like XXXX to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XX/XX/XXXX I made paid {$2100.00} to United Collections Bureau ( UCB XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like UCB to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XXXX University Defrauded not only by misled information but by incorrectly financing substantial amounts of indirect costs that applied to my Federal student loans as unused services provided were not relevant. Several attempts to correcting information after months of finally receiving papers of proof to negligence on institutions behalf looking into lawsuits were relevant to case. Some Institutions were forced to close. Also XXXX had all advisors were no longer handling any cases at the time and quit working for them as this lawsuit came forward all students for the class of XXXX including myself were fraudulently taken advantage of. 
FTC had filed a lawsuit against XXXX for fraudulently gaining access into funds for no reproable cause. A settlement amongst students began XXXX year. The advertisements of gaining employment by career advisors and counselors promising that their institution has more leads in landing prospective students right after graduation between XXXX and XXXX were proven to be false. 
In reference to my credit report Navient is not part of the US Dept. Of Education as they are a third party debt collector. They shouldn't have had any rights placing on my credit report 20 times allocating I owe a significant amounts of funds due to the letters I have received in regards to my loans being forgiven which takes years to do. All these past due amounts are inaccurate and false. US Dept. of ED has all information leading to claim status of loan forgiveness program I enrolled so I am asking all of Navient 's reports claiming late or unpaid to be removed off my reports due to inaccurate and false information reported as this is affecting my life and ability to gain employment and other resources. Thank you Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
Initially was a co-owner on a mortgage in XX/XX/XXXX. Filed a chapter XXXX bankruptcy, discharged in XX/XX/XXXX. Mortgage responsibility was never reaffirmed. PHH is incorrectly, illegally reporting the mortgage account on my report with derogatory comments and history, listing a balance I am no longer responsible for. I was scheduled to close on my dream hone for myself and my children XX/XX/XXXX. This erroneous information in my file is preventing it. I have contacted the creditor to request a letter of intent to delete this account from my credit files with XXXX, XXXX, and XXXX ASAP. I provided a copy of my discharge. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I was recently informed that ALLY Financial has placed 2 years worth of negative/90+ days late, payments on my credit report. I purchased a car with them in XXXX and in XXXX informed them that I had lost my job and wanted to work on a plan to try to keep my car since it was nearly paid off. Not sure where the disconnect was but my car was taken shortly after that. I did not receive any notification about the repossession ( i.e. where the car was being taken, next steps, options for reinstating my loan, if the car was being sold, NOTHING ) I 1000 % forgot about this company until my credit report was pulled and I noticed the 24+ late payments starting in XXXX!! They had my phone number, address, etc and I received ZERO correspondence! How could I be late on a payment I know nothing about?? No amount due, no due dates, no total balance, etc. How could they just add 24+ late payments in XXXX when they have had the car in there possession since XXXX? This company has single handedly DESTROYED my credit without taking the proper steps to notify me of said debt, nor did they give me the opportunity to retrieve it. They placed this account on my report as a charge-off and they have not followed the federal guidelines of my state.

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 2020-11-23 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: OH

Complaint narrative:
i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact XXXX XXXX XXXX in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 XXXX score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my XXXX score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police 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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital placed a collection on my credit report, and I have no idea what it is. I wrote Jefferson Capital and demanded documentation or some sort of proof that the collection account belongs to me, but they refused to send me any documentation and also refused to delete this unknown account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have notified Wells Fargo in XX/XX/XXXX that I had been furloughed from my job in XXXX due to COVID-19 and that I would be having trouble making the regular monthly payments on the account until I am back at work. 

I am still unemployed as my furlough has been extended indefinitely and my NJ unemployment benefits will end the week of XX/XX/XXXX. As such I will have no ability to continue to make payments on this account. 

As Wells Fargo has refused to provide me with a settlement on this account I will be forced to default on this account as of XX/XX/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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I reached out very recently, I believe early last week to the bank that manages this Care Credit, credit card for assistance and was given a bit of a difficult time. I had opened up my bill for the month and noticed that I had suddenly got hit with {$86.00} worth of interest in one month! I was in shock. I have been carrying a balance for a while and making payments with the exception of I think skipping two, due to the Pandemic, as most had done in the early spring of this year. 
About a year ago, in XXXX of XXXX, I had been in a difficult situation as I was getting hit with one offer after another expiring on XXXX bills and getting hit with a massive amount of interest all at once. I was totally overwhelmed and reached out for assistance. I worked with someone in the Corporate office I believe who changed my existing balance at the time, over XXXX I believe to a very low interest rate. This helped enormously. Interest was waived as well, a massive help at the time. I was also told and this is very important due to the nature of this complaint that if I used the card, for a new purchase, I would not be charge at the highest interest rate which would make it impossible for me to use the card. It would be totally separate from the older balance that was already adjusted. I am not sure exactly of the arrangement but this is the best of my knowledge. After that arrangement, I didn't use the card for some time and was making payments. I had planned on not using it for a long time as I worked to pay down the debt .Then suddenly, we had an emergency for one of our pets in XXXX of XXXX. The cat had to be brought to several doctors and specialist and unfortunately I had to use the card for almost XXXX XXXX dollars. There is no way I can pay this debt down if I am being charged {$86.00} per month. I won't get anywhere. I did speak with a rep and a supervisor early last week and asked to speak with the person who originally made these arrangements. I had her name. The rep gave me a hard time so I had to escalate the call to a supervisor. the supervisor clearly seen who I had been dealing with, as notes were there at she said she would contact this person for me. I never heard back and it is going on one week.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 ; I sent a letter to Equifax advising that there is inaccurate information reporting to the public record portion on my credit report. Equifax responded by stating that the information had been verified as accurate through a third party vendor, XXXX. On XX/XX/2020 ; I sent requesting that Equifax requesting the description of the procedure used to determine the accuracy and completeness of the information as well as a re-investigation. I received a response dated XX/XX/2020 ; providing the same response that information had been verified as accurate through a third party vendor, XXXX. I have provided documentation to Equifax directly from the bankruptcy court that explains that this information is not provided to any 3rd parties. I am requesting that the inaccurate information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had a billing dispute with my old apartment complex in terms of an alleged past due balance. I had to relocate for work. I specifically requested a complete breakdown of charges in writing and never received a response. Now this alleged debt is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed a collection account on there of which I have no knowledge. I tried XXXX this company and just keep getting a automated message to leave my information for callback. 

Having this unverified and unknown account on my credit report is damaging my ability to obtain credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have sent a letter of debt verification to collection agency on XX/XX/2020 and they received it on XX/XX/2020. The agency didn't respond to my letter but stopped all communication with me for a few months but recently have begun to phone me several times a week. The phone calls began on XX/XX/XXXX and XX/XX/2020 and though this month as recently as XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted Community Bank on three occasions because the company is erroneously reporting to transunion that I made late payments on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. However, my account with Community Bank/ Victoria 's Secret has been closed since XX/XX/2020 and paid in full. I have not been late on making any payments in 2020 and this information is incorrect and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America EDD debit card closed my card as I was right in the middle of transferring my funds to our other account not affiliated with bank BofA. I assume they did so because they did not want me to transfer my funds. loss of interest?? who knows what excuse they have. But they should be charged for doing this to me. What grounds do they have?? EDD is still depositing my unemployment benefits to my account that I have no access to. I have called t he number on the back of the card and gave them the correct answers to security questions. But was told I had to call back to talk to someone in the Fraud department and they gave me no number said to call same number XXXX and they would have to transfer me but they where closed right now. I have called numerous times and the transfer just goes right back to customer service after it rings numerous times.I at this point dont think there is a fraud department that they have to have me speak with its just a game to them. How do they close my account that I have had since XXXX ( EDD ). and right when i am about to transfer my funds they close it down within seconds of me doing so. How can they even say Fraud when the IRS took a lien on my account last month and took XXXX from my account there was no problem with Fraud obviously that should clear up any fraud issues.. i mean they had to verify me with the IRS 4 weeks ago. I can not get print out of my account as they have blocked me I can not use my card because they will not open my account I have even since changed my pin number through EDD and my security questioins where I had to answer old ones to change I thought that would indicate there is no fraud on my account. The only fraud going on here is by bank of america EDD. I am a retired correctional officer and have had prisoners do less crime then the ones Bank of America is getting away with .. I still have no new card and my card i have in my presence is still closed. nothing is getting done and I have done all I can do. HELP PLEASE 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 2020-11-23 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company is a debt buyer who is reporting inaccurate information on my credit report. I have recently removed the inaccuracies this year and now its reappearing again with different balances and inaccurate original balance and balance owed. I repeatedly asked this company to please send a copy of original contract by creditor but have yet to receive this information. According to the FCRA any information that is incorrect and not verified as being correct must be removed. This is why it was removed the first time because it was inaccurate. Now it is again on my report with inaccurate information again with a higher original balance. and a lower balance owed but i never once made any payments to this company. Why did the balances changed? This is a refusal to pay until original signed contract is received. Letters received by this company after disputing has addresses that is not my address. I have also contacted the FTC about this mater because I'm tired of beating a dead horse.

Company response to consumer: Closed with non-monetary relief