vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Grant Mercantile Agency
State: HI

Complaint narrative:
Grant merchantile keeps trying to collect on a medical bill that was the result of either a lapse in coverage while I was displace from XXXX  to XXXX. XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
I am a XXXX individual but was in the process of switching both state providers and gender markers resulting in a medical billing error that has haunted me for years. 

XXXX of XXXX they increased collections amount for I think the 5th time and lowered my credit score by 45 points. 

XX/XX/XXXX I called grant mercantile Asked them if they purchased the debt.

They stated no, they are just trying to collect.

I asked can I deal with original debtor?

They said it's most likely purged from their system.

They said I can write a letter of hardship via U.S. mail, but I have no way  of mail correspondence due to XXXX and XXXX. 

This has damaged my chances at getting a car to drive for a company to find a job that would work with my XXXX. 
It has damaged my chances finding a rental or even a private client job. 

I have tried to dispute and or make a reasonable settlement multiple times to no avail. I think that forcing the letter of hardship to be sent by mail is an accessibility issue that should be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: TN

Complaint narrative:
I took out an installment loan in the amount of {$3500.00} with Aspen Financial Direct on XX/XX/XXXX. The terms of the loan agreement stated I would pay 52 bi-weekly payments in the amount of {$190.00} with the last payment scheduled for completion on XX/XX/XXXX. If I had made the payments as scheduled, by the end of the loan term ( 2 years ) I would have paid {$6800.00} in interest and a total of {$10000.00} for a {$3500.00} loan. This loan had an interest rate of 131.46 % and the loan agreement stated there was no penalty for early payoff. I paid off this loan early ( on the 19th payment vs the 52 payments scheduled ). After borrowing {$3500.00}, the total amount I paid back to Aspen in 19 payments was {$6900.00}! Having already paid {$3700.00} into the loan, when I called to get a payoff amount I was quoted a charge of {$3100.00}. I paid the amount quoted in full on XX/XX/XXXX to Aspen, however after calculating the interest, I found that Aspen overcharged me for the payoff amount and I should be due a refund of over {$1000.00}. I have paid almost {$7000.00} in a 9 month old loan that would have resulted in me paying {$10000.00} had I paid it back in 24 months!!! This is total robbery! I took out this loan due to a financial hardship moment I had with the expectation of paying if off asap, which I did. I have sent 3 email letters to Aspen regarding refunding me some of the payoff money they overcharged me but have gotten no response. The letters were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If I can not get this issue resolved by Aspen FinanciaI will be contacting the Attorney General and pursue legal action if necessary to correct this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 {$3200.00}.

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. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -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
Consumer complaint received 2020-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: MD

Complaint narrative:
I applied with Geneva financial in XX/XX/2020 when Covid hit. When housing market fell due to Covid I no longer qualified for loan, however when it began to open back up I was able to qualify and was eventually approved for FHA loan. I received approval through AUS system and underwriting. Loan officer XXXX XXXX said I could close XX/XX/XXXX. However, this was moved to XXXX due to incomplete paperwork. I was then told I could close in XXXX and that my file was completely normal but paperwork was again missing because I had to apply for new FHA case number and get a 2nd appraisal done. After that was completed, I was told I could close but XXXX DPA paperwork was not completed. As a result of disorganization of loan officer XXXX XXXX, XXXX XXXX, and, processor XXXX XXXX, I was never able to close. I believe this was racial discrimination becsuse my file was perfectly fine after the market opened back up in XXXX and I received approval from XXXX along with closing disclosures. There is no reason why it was XXXX and I still was not able to close other than they were purposely delaying the loan because I was a minority. I want this marked on XXXX XXXX 's file as racial discrimination and lack of organization. I chose not to disclose my race for this very fact, however they put it on my application anyway without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 {$6800.00}. 
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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -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
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank closed my account without a valid reason, and now they won't let me have the remaining {$2300.00} cashback balance on the account. 
I have not broken any of the rules of the card and my credit is really good, they seem to be only closing my account because the bank isn't doing well financially and this was an easy way for them to lower their exposure, even though I've been an excellent customer for a long time, always paying my bill on time and never missing a payment or doing anything wrong. I didn't lose my job or anything, I'm still working full time, so I'm not sure why they would even consider closing my account, and everytime I reach out to customer service they are unable to provide a valid reason.

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 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
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.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}.

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.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -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
Consumer complaint received 2020-10-18 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 XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -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
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
XX/XX/2020 : Threatened by written notice that my taxes would be garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: NV

Complaint narrative:
RISE charged off my account, but an agreement was reached between RISE CREDIT and I, that if I paid a certain amount they would reverse it. I paid that amount but they did not fix it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 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: NC

Complaint narrative:
**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. 

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX California XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: WA

Complaint narrative:
My card was lost/stolen around XX/XX/2020. I reported it to key bank and requested that my card be closed and a new one sent since this was the preferred method of payment for my unemployment insurance. However It has been over six months now and after multiple times contacting the company listed above they had only just closed my card down within the last few months well after a huge portion of my benefits have been spent by someone other than myself and it's now well into the XXXX dollar margin of loss that I have now been taken for and they have not been able to get back to me one time with an answer or resolution to the issue not have they even attempted to contact me leaving it to me to be the only side of our agreements that has followed through and continued attempting to reach out to them in hopes that we may solve this issue in a civilized manner. I now find it most difficult to get in contact with this company there for I am now reaching out to a third party in hopes that I may have some assistance in getting the issue at hand resolved so that I may finally be able to receive the benefits that are not only owed to me but that are most definitely needed and very much the difference between life or death with the importance of these funds when it comes to my living situation and  honestly how much I've been deprived due to the lack of these funds!!! Thank you for taking time out of your day to read this and hopefully there will be immediate action taken so that I may be able to continue my life as close to what it was like prior to the mishaps of losing my income In the first place! Have a great day and I look forward to hearing from you as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a Banana Republic Visa card issued by Synchrony Bank. In a month of high usage, where I need to buy construction materials and make multiple payments to keep my card balance available, Synchrony bank abruptly terminated my account. 

While I do not contest Synchrony Bank had the right to close my account ; Synchrony bank acted in bad faith as my account was terminated right before the XX/XX/2020 statement was generated ; which in turn would have earned me approximately {$200.00} in reward points. 

My approximately {$200.00} points were forfeited with the account closure. This was a bad faith act. I was also not notified electronically about this action until I checked my online account ; this even though all my statements are electronic.

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 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
That account was already solved. I spoke to the main company that sent me to collections, i already settled it it was a unfair confusion that was stated during documentation.

Company response to consumer: Closed with explanation