vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: CORELOGIC INC
State: CA

Complaint narrative:
The following was previously sent to CFPB : Upon conducting a personal credit reporting review, I noticed that a company named CREDCO   conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. No consumer notification was submitted and this negligent act resulted in the personal credit damage. CREDCO  conducted unauthorized credit check for the following dates : XX/XX/2020, XX/XX/2020, and XXXX XX/XX/2020. 

The company responded with a spurious information regarding Identity Theft. The company should not provide credit reporting to a third party without consent and knowledge from the consumer. This company does not honor passing the personal information to a company and now the consumer is subject to a data breach of Personal Identifying Information. This is comsidered an Identity theft initiated by CREDCO. 

The following attachment is the letter sent my the company with pretentious information that does not address the issue and counter the information by holding the consumer responsible for actions they have so carelessly performed. I am requesting for a formal investigation and will also submit a formal complaint to the California State Attorney General to data breach investigation.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Recently, my mortgage had to be reinstated following the threat of foreclosure. To reinstate the loan, I was required to pay {$20000.00}. I have since discovered that monthly mortgage payments I made XX/XX/2020 and XX/XX/2020 were never applied as payments on my loan. For some reason, the checks were held in suspense and I was told recently by the call center agent when I telephoned that Carrington applied these payments to the insurance account that has been established by XXXX  XXXX  for damage to my home by Hurricane Dorian. Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020. ( 103 days for processing?! ) Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020 ( 59 days for processing ). After all that time, the payments were not applied correctly! Im sure many of the late fees on my account were applied during the time of delayed processing. These checks were written from a company account : XXXX XXXX XXXX XXXX, with the loan number clearly written in the memo line. The checks were mailed with the Carrington Monthly Mortgage Statement. Obviously, whoever processed the checks didnt know what they were doing and therefore put them in an insurance account in suspense. Did that person consider contacting me, the borrower, if they had a question? Have these payments been withheld intentionally with the view to charge late fees, attorneys fees, and other unknown fees? Did Carrington want to force foreclosure? With the payments misapplied, the loan went into foreclosure. Two checks that were made for subsequent payments to bring the loan current through XX/XX/2020 ( {$4200.00} ) and again through XX/XX/2020 ( {$1800.00} ) were returned to me uncashed citing that the loan was in foreclosure. I made each payment using the Monthly Mortgage Statement, even though I knew they were most likely incorrect. I have been charged fees that should not have been charged. Additionally, I have been harassed by lawyers, and no doubt have had my credit affected by the mismanagement of all these remittances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: MA

Complaint narrative:
I recently became aware of 2 payday loans that were opened using my personal information in 2017. I am a victim of identity theft, and I did not apply for these payday loan. One of the loans was paid off ( presumably by the fraudster, I am thinking it was auto-drawn from the checking account they were using ), but the other loan was never paid and got sent to a collections agency. CashNet USA is now attempting to collect this debt from me, despite my numerous attempts to resolve the issue. I have called and emailed, but I never get a call back from the department working on my case. I was told my claim was denied because I am a " return customer '' ( I assume they are referring to the other fraudulent payday loan that was taken out in my name ) and that the checking account the fraudulent loan was deposited into was a XXXX account with my name on it. I have checked with XXXX several times, spoken with my personal banker as well as multiple customer support supervisors, all of whom have confirmed that the account the loan was deposited into does not have my name on it. They can not provide me written proof of this, because this account does belong to someone and XXXX has a responsibility to not release their information. I am not sure where CashNet USA is getting the information that this is my checking account, but every time I attempt to contact them for more information, I am told it will just be passed along to the department handling the claim. I have emailed this department directly and not received any contact back. I have sent them my police report and all of the supporting documents I have to prove that this was fraud. I have spent hours and hours working on proving that I am not the one that applied for this payday loan, but CashNet USA continues to attempt to collect this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: PNC Bank N.A.
State: IL

Complaint narrative:
PNC bank flagged my loan account saying that I was a120 day late on my account. My credit was XXXX and it dropped 69 points because of this. Now I pay all my bills on time. On XX/XX/20 I paid {$45.00}. 0n XX/XX/20 I paid {$250.00}. On XX/XX/20 I paid $ XXXX.0n XX/XX/20 I talked to a sales representative and she {$200.00} out of my account and then reversed the payment and the same thing happened on XX/XX/20 a payment for XXXX and reversed that one to and the payment that went through was never a 120 day late but PNC flagged my credit score twice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow ] were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2020 I finished the process of opening an account with Discover Bank. Over the next few days, I deposited into my account what was worth {$2300.00} in checks. On XX/XX/XXXX, I received an email saying my account was suspended due to suspicious activity and I needed to contact Discover immediately. After contacting them, submitting further information to prove my identity, I spoke to several employees. One of them told me she was having specialists assess what was going on and that they would contact me later that day or early the next morning ( XX/XX/XXXX ). By around XXXX  on the XXXX, I had still not received any notification from Discover so I called myself. I spoke to an employee who told me my account had been permanently closed due to a business decision and that they would send a check eventually. Later on that day, I called back to ask some questions, specifically about if there is any way I can find out the exact reason why my account was closed and when I will be receiving my {$2300.00}. The employee speaking with me said that the business decision could be a number of reasons and that the reason why is not disclosed to him. He also told me I need to wait 60-90 days to receive my money. I have received NO correspondence from them about what is going on besides the original email on XX/XX/XXXX. I am not sure what to do, if there is even anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by Great Lakes Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from Great Lakes to FirstMark Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. FirstMark had different privacy policies than Great Lakes that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XX/XX/XXXX/XX/XX/XXXX, FirstMark reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to FirstMark for the same amount as had been for the past 10.5 years. FirstMark / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, FirstMark and I were able to determine that FirstMark had different privacy settings than Great Lakes and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than Great Lakes had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with FirstMark they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. FirstMark moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request FirstMark to do that action. When I followed up with FirstMark to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If FirstMark had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with FirstMark and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient had agreed to suspend payments and interest due to CoVid-19. Just now, they not only started charging again but also never even notified me they were going to start creating a late payment. Even on their own banner on their own site and app, it says in plain writing that they are suspending payments and interest until XX/XX/2020. So what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I purchased a ring at the XXXX jewelry store onboard a XXXX XXXX cruise ship, the XXXX XXXX, on XX/XX/XXXX. The purchase was for {$4200.00} part of other expenses I incurred on the ship totaling {$4800.00}. I paid for my purchases using the XXXX XXXX Visa card issued by Barclays Bank. The ring needed to be sized and was going to be delivered to my home a week or two after the cruise. I never received this ring! I began calling the jewelry store, XXXX, in XXXX inquiring about delivery of the ring. I was told they were shut down because of the COVID-19 quarantine in XXXX and XXXX did not know when the ring would be sized and delivered to me. I asked for a refund. After many weeks of hone calls and emails with XXXX, I was told a refund was issued on XX/XX/XXXX. On XX/XX/XXXX I disputed the charge of {$4200.00} with Barclays because I did not receive the refund promised. On XX/XX/XXXX Barclays denied the dispute. I contacted XXXX again and asked about the refund and they told me XXXX issued the refund on XXXX XXXX but XXXX XXXX would issue the refund to my credit card account. I called XXXX XXXX to inquire about the refund and was directed to an automated recording stating their accounting system was not able to issue any refunds and the call was disconnected. I have never received the ring or a refund for the purchase and Barclays should remove the charge from my Visa 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 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX  removed my legal name from it's records as well as my lawful social security number in favor of a fraudulent debtor who did not have my correct name or proper signature on an unsolicited agreement. I am dissatisfied with their lack of neutrality or common sense when dealing with my identity. They seem to unjustly prefer the creditors claims over consumer claims even when confronted with fraud. For the record I provided them with a photo copy of my social security card and fl id with my full and legal name. They allowed a debtor to ruin my life with a false claim and illegitimate claims lacking my name or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
Last year, for weeks I received calls twice a day from a company trying to collect on a XXXX debt. I have never had an account or any dealings with XXXX. I eventually recorded the conversation, told them the debt isn't mine and to stop calling. 

Today, I received another call from a collections agency regarding this XXXX debt, which isn't mine. They spoofed the call to make it appear to be local. 

They said they were with Jefferson Capital Systems in Minnesota and wanted to collect on the debt. I recorded the conversation, told them it isn't my debt, and they asked for four digits of my social to prove that it isn't my account. I refused to do that, as this company should be required to prove this is my debt ( which there is no proof of, because it isn't my account ). I shouldn't be required to prove it was never mine by sharing my social security number with a company that obviously has unethical and predatory collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
Ive disputed items on my report which do not belong to me over 30 days ago and the items are still reporting on my credit report. Ive attached the copy of the mail I sent out to this complaint.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP
State: OH

Complaint narrative:
I went to XXXXXXXX XXXX from XXXX and had student loans for tuition through KeyBank, serviced by XXXX XXXX XXXX XXXX from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), KeyBank switched servicers from XXXX XXXX to XXXXXXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from KeyBank, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXX/XX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / KeyBank reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to KeyBank executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and KeyBank for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

Company response to consumer: Closed with explanation