vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I have been struggling to make on-time mortgage payments to Standard Mortgage, my loan servicer since purchasing my home in 2009. The problem originated due to the COVID19 outbreak and was compounded by several other contributing factors such as I am employed in the XXXX industry and personal XXXXl issues. I have repeatedly contacted Standard Mortgage inquiring as to whether or not they have a COVID relief program granting home owners a forbearance on monthly loan payments. Every company representative I have spoken to has reiterated that Standard Mortgage DOES NOT have or participate in any such activities. I have offered to split my payments, one in week two and one before the billing cycle ends for the month, but they refuse to accept partial payments ; now I am falling behind on all of my other monthly bills. 

I have an XXXX  loan through Standard Mortgage which means it is backed by the Federal Government through HUD. After researching the Agency 's website, it is clear to me that Standard Mortgage is required to offer a COVID relief program granting home owners forbearance on their monthly payments. This is not the first time Standard Mortgage has refused to comply with HUD 's guidelines and I am in desperate need of assistance.

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 2020-12-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail

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 2020-12-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, experian, XXXX credit report And XXXX sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail

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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Dear WFDS MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
DEAR GM FINANCIAL SERVICES ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus Equifax, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I made a purchase at XXXX on XX/XX/2020 for {$66.00} under the AmEx offer POID : XXXX, which endorsed a {$30.00} credit to my account with a purchase over {$50.00}. The terms and conditions stipulated the following restrictions : 1 ) voucher purchases ; 2 ) taxes and shipping costs ; 3 ) promotional offers through www.marthastewartwine.com/promos/ and www.marthastewartwine.com/vouchers ; 4 ) Refer A Friend promo codes at Checkout. My subtotal for four sale items during the site-wide Prime Week fall special was {$51.00} prior to shipping costs of {$14.00}. I did not purchase a voucher, nor use a promo or voucher obtained at the restricted sitesone of which is a dead linkand I did not use a referral code. 
Having fulfilled the terms of this offer, I have been dismayed that AmEx has reneged on its obligation to uphold this compact. I have contacted customer service on a half-dozen occasions from XXXX to XXXX by online chat and phone to no avail. Each time I have been offered trite contrition and empty promises of an inquiry with ever enduring procrastination ( " 5 to 10 business days '' ). On XX/XX/XXXX, I was told that this matter would be escalated yet again with a response within " 5 to 10 business days. '' No representative has ever reached out to me. I made a final attempt on XX/XX/XXXX and was informed that the back office has finally closed the case with a determination of a " non-AmEx error. '' The representative offered no further explanation, simply repeating this meaningless phrase, and demonstrated grave ignorance of and apathy toward the case. 
As a matter of professionalism and customer relations, this episode hasneedless to sayeroded the fundamental values I have held paramount in my banking relationship with AmEx. I am most disappointed that you have failed to maintain transparent communication throughout, with only reactivenot proactivemaneuvering at my insistence. This fruitless endeavor has only served to convince me of the duplicitous nature of AmEx 's business model and perpetuates a narrative of impersonal and deceitful behavior that I had not expected from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: Lending Club Corp
State: TX

Complaint narrative:
I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In the beginning of XX/XX/2020 I tried to pay off a credit debt to PayPal but instead I transferred the money to someone I didn't know. I called PayPal since the transfer hadn't processed yet. So they said they couldn't stop the transfer but I could call the bank to do a stop payment and they would be able to handle it as an internal affair. So I did, I paid off the credit debt owed to PayPal. But now my account was XXXX $ so I called and it was a different person they said I had to at least contact the person who I sent the transfer to before they could do anything ; and they could only give me an email to contact them. I emailed them and the the email itself did not exist. I call a third time and now they said that its not in their policy and that if they didn't give the money back I would owe the XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I canceled my policy with XXXX XXXX. For whatever in error reason, they continued to bill me for the policy. I contacted XXXX after they reported {$390.00} in collections on my incorrect credit. I was told to provide proof of insurance and they reduced the amount due on the account. They realized the error they made and issued a letter dated XX/XX/XXXX, stating this. They did a 3-way call to the Credit Collection Service and informed them to remove the item from my credit. My letter also states that. Since then the Collection Agency has updated my credit again with that information, which is wrong and they were told to remove it this time by the original creditor XXXX. They have since updated the item with their information. With that stated, they are attempting to collect on money already paid to the Creditor and were informed of that information. I was on the call when they were told to remove the item and for whatever reason, they are continuing to report this item.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc.
State: PA

Complaint narrative:
I made a purchase from Ginny 's using another credit card. Ginny 's created two orders charging my credit card for one order and opening a new credit card account with them without my permission, charging that card for the same exact order as well. I was double charged. I believe the representative purposefully opened a credit card in my name to get credit for opening a charge account. Ginny 's fraudulently opened a charge card in my name without my permission. My order was paid. I specifically asked the representative not to open a charge in my name when she asked me. Yet she did it anyway. I have received partial shipment for the order I requested and no items for the double billing. I've tried three times to get credit for the double billing and close the card to no avail. I did speak to two reps, but was put on hold for a long period of time without resolution. The order number to be credited is XXXX. The original order charged to my other credit card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I requested verification of this debt from this collection agency all they did was send me another collection letter stating that I owe them {$1100.00} This company put a collection on all 3 of my credit reports without verifying or proving that I owe this debt. This company has failed to send me any documents stating that I Owe this debt. Its not a surprise that ARS has an F rating with the XXXX XXXX XXXX  because their a company that's practicing illegal practices. If I did Owe anything it was never to Account Resolution Services! I never had a contractual agreement with this company. Collection Agencies buy debt as an investment which is Unjust Enrichment. If This is my debt please Validate that this is indeed my Debt Show me proper documents proving that I Owe Account Resolution Services {$1100.00}. Account Resolution Services are denying Me and millions of other consumers validation of debt requests. ARS are in Violation of Fair Debt Collection Practices Act. The FDCPA supports my right to demand a Validation of debt, Documentary proof that I owe exactly what ARS is claiming i owe. Please delete this inaccurate misleading collection off of all 3 of my credit reports.

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 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX with TD Bank account # XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. My due date for payment on my account is XX/XX/XXXX as stated in the picture XXXX above. So I did the payment on this date and is showing in the payment list on the picture XXXX above. 
However I was charged a {$27.00} late fee on the XXXX. This is a wrongful charge and it has to be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive been a member with Citi Bank since 2005 They offer me a upgrade to Citi Simplicity Mastercard. My credit limit was XXXX they then raise it to XXXX then XXXX Ive never been late or missed any payments and always paid more then what was asked for. I went over 10,000 and then all of sudden citi decrease my credit limit to XXXX i believe Now im not using this card now but still being excellent customer. I had now only {$370.00} credit according to my XXXX statement I get my new statement now and i only have {$75.00} credit left. Citi had decrease my credit limit AGAIN. 
I feel this is totaly shameful of them especially with this covid19 but mostly because its being reported on my credit report. 

I got a tractor supply credit card and funny its with CITI and have a XXXX credit limit.

Im so upset that i told citito just closed this account I dont want nothiong to do with them and people should be WARN This company is a big rip off How can they do this and there blaming the credit company which is untrue I talked to them I did have a XXXX credit score until citi lower my limit Im at 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