vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TMX Finance LLC
State: NC

Complaint narrative:
Contract with TITLEMAX loan {$1700.00}. On XXXX. Was called by co. Employee on due date. ( loan due XXXX of month ) arranged to pay it off on the third or start making payments. Agreed loan made in XXXX Va. Manager said dont come here use the portal ( im nc resident, make payment via portal. Employee called me Friday nite of the third at XXXX XXXX  I was told they closed at XXXX " youare late on your first payment! Mam nothing would let me talk finally I said arranged to pay off on the third. I have here you were coming in office today at XXXX : XXXX  no mam I am paying on line not late due date has no grasp period but late payment fee assessment 6 days later meant contradiction in terms still not late by that contractual admission. She would not let up guests at dinner phone on speaker I was setting the table they heard it all. I said don't call me again this is not past due until after XXXX  and not then dont call me anymore! Hung up I have voice mail she called me back saying she apologized for the lost connection knew full well what happened I did not return her message. Complained to co name of employee sent letter scared they are coming after my car? Got letter from home office in XXXX GA. Lady threatened to take my car said she had my letter made no reference to it said me arrange to make payments XX/XX/XXXX in XXXX or she was going to get my car! Signed her name as a Legal Analist. I think Attorney said she was collecting or repose my car. I dont know where to pay who to pay or if she is a Attorney or clerk making these submissions. Afraid I am XXXX year old XXXX  adult. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I called Equifax just now to dispute 1 of 2 hard inquiries on my report 14 days apart from the same company. I first talked to the company to ask them about the 2nds inquiry and they stated they were allowed to run a report as many times as they needed to within 45 days and it will only count as on inquiry as per the Consumer Financial Protection Bureau. They directed me to the website and the statement. So I called Equifax to make the correction, but they refused to make the correction. I directed them to consumerfinance.gov and explained the statement on their and they continued to refuse the remove the 2nd inquiry. I need help clearing this up. Spoke with a Supervisor names XXXX who said her employee number is XXXX. 

I made the same call to XXXX and they recognized the problem as assured me they would remove the extra inquiry within 24hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by XXXX XXXX XXXX to open up a credit card. On XX/XX/XXXX my credit was ran by Amex for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Firstmark services are currently handling my private student loans from XXXX. I recently became concerned with their service when they began requesting payment while I was still attending XXXX  school. Based on XXXX XXXX policy, All payments are deferred while in school. Firstmark claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by Firstmark services in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by XXXX based on Firstmark 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from Firstmark that shows what principle ( or what should be original loan amount ) and interest they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunts and Henriques Attorneys at Law is collecting for XXXX XXXX Credit Card. Due to my XXXX and unable to work due to the XXXX, I hired a bankruptcy attorney Atty. XXXX XXXX. Hunts and Henriques were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown for me accounts. I believe I became identity theft victim, otherwise I can not explain their existence in my report. I requesting you delete them from my profile as I can not move on in my life because of them ... Why do I have in my profile somebody's else information or misleading information? Its not fair absolutely so please help me and remove them.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First credit union is rolling out a forced {$72.00} a year premium checking account for all its members and they are doing so in a sneaky way. First, rather than have it stated very clearly when you log into online banking that this is happening with an opt-out option they are only sending little emails that don't include out to opt-out of it. When I signed on to America first part of the terms and conditions were that they had free checking and no underhanded fees. In order to opt-out of this premium checking, you have to call and wait on hold for 35+ minutes. This is something a bank would do rather than a member 's first credit union. The best part about going with a credit union is no monthly fees. I wish they offered this as an option, instead of as something they automatically set up and we need to call to cancel. It goes against everything Ive always thought America First stood for. Even if the benefits are great the way this is being rolled out feels sneaky. It should be an option rather than a forced situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reported a late payment for the month on my credit report. For years, I have called them more than 5 times about the blemish. Late year in or around XX/XX/XXXX, I file a dispute with the credit bureaus to remove the incorrect late reporting for the second time. Up until this day, nothing has been successful. Today, it's still reporting as a late payment and there are negative remarks remaining on the account. As a final attempt, I called on XX/XX/XXXX and spoke to XXXX who stated that he'd file a dispute with the credit bureaus and request to have the remarks removed. I have no faith in his occurring seeing that I requested an internal investigation instead.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
AFCU " discontinued '' their current checking accounts and transferred those same benefits to an account with a monthly fee, then made all members have the monthly fee account without even the possibility of opting out! I now have to call them to opt out. It's shady business and a blatant money grab. This is not how you treat your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I contacted Roosen Varchetti and Oliver on XX/XX/XXXX to verify debt from a letter I received from the Company on File # XXXX. As of XX/XX/XXXX nothing has been done and after several attempts to speak to company representative have gone unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This old Santander account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on XXXX. It is bringing my XXXX score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!!!!!! 

WHAT CHANGES DID NAVIENT REPRESENTATIVE MAKE TO MY ACCOUNT IN EARLY XXXX????????? 

Navient in a response to me says theyve mailed me several renewal reminders between XXXX - XXXX and they never received a response back from me. 

1. I was homeless. Had no phone or internet service. And no mailing address. 

2. NAVIENT HAD INCORRECT CONTACT INFORMATION ON ME BETWEEN XXXX - XXXX. 

Around XX/XX/XXXX YES I DID SUBMIT A {$0.00} XXXX. 

1. I called and spoke with Navient customer representative informing him of my circumstances and situation.

2. Navient customer representative informed me to submit {$0.00} IBR and wait at least 6 months. Then submit a written letter with documentation and the late payments would be removed. 

NAVIENT IS NOT LISTENING TO A WORD IVE BEEN TRYING TO TELL THEM. 

In XXXX their representative made changes to my account. 

1. I phoned in asking for help!!!!!!

2. I made the representative aware I was homeless and had no services. I also made the representative aware I wanted to update my account so that Id receive future correspondence by email. 

3. I also made the representative aware I wanted help in fixing my account due to the extreme financial and emotional situation I was in. 

So my question is : 1. WHAT DID NAVIENT CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT BACK IN EARLY XXXX? 

Is there not a phone record or notes of that phone call? ARENT THEY REQUIRED TO DOCUMENT PHONE CALLS BETWEEN CALLERS!!!! 

GO BACK AND LOOK AT MY ACCOUNT!!!!! 

XXXX - XXXX I WAS IN DEFAULT YES!! 

I was in default for reasons I explained. I ASKED FOR HELP!!!!!! 

And none was given. 

So I am filing this complaint against Navient for not properly handling calls, complaints, and not thoroughly investigating matters. 

DOCUMENTS ATTACHED : 1. Password Protected Document. I will provide password once contacted via email by Navient. 

2. Forbearance approval document. WITH INCORRECT ADDRESS AND AROUND XX/XX/XXXX. XXXX WHAT DID CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT DURING TIME PERIOD?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had checking and savings accounts with Bank of America for decades. About three months ago, I was persuaded by an account officer at BofA that by transferring $ XXXX to a savings account with Merrill Lynch I would get better service and a better interest rate. Last month, I transferred an additional $ XXXX from BofA to my Merrill Lynch account, bringing the balance to {>= $1,000,000}. Yesterday, I learned that these funds are not FDIC insured, and I requested the immediate return of those funds to my BofA account ( i.e., the account ( s ) from which those funds originated ). Merrill Lynch now refuses to wire back those funds unless I sign a servicing agreement that contains terms that are not acceptable to me. Merrill says their agreement is not negotiable. Their position seems to be that without the account agreement they can not conduct activity. If so, they never should have accepted the funds in the first place, and should not have subsequently accepted additional funds.

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 monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. SANTANDER CONSUMER U Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER U has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.

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 2021-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This old XXXX account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on Experian. It is bringing my Experian score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.

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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We submitted a loss on our home insurance for water damage XXXX XXXX 2020. Our insurance company XXXX XXXX issued a check for {$7200.00} in damages, it also had our mortgage company as a payee on the check. We were advised by the Mortgage company to overnight the check to them so they could endorse it and return it next day. We did so and they kept the check and deposited it. Saying we were delinquent. Because of that they won't release funds. They want us to use a licensed contractor, not do the work ourselves. They do not have a process for us doing the work ourselves. They haven't even released startup funds to hire a contractor.

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
This will be the 5th Collection Company that has tried to collect on a debt that is not mine. XXXX XXXX XXXX continues to try and collect on this bill and have yet after 5 attempts from different collection companies. 

I call XXXX XXXX XXXX XXXX and they informed me that I don't owe them any money. That all of my accounts were paid in full. They further informed me that they don't sell patients debts to collection companies. The only company they work with is XXXX XXXX XXXX in XXXX, VA. They further informed me to do not pay this as its not owed. 

Please Investigate XXXX XXXX XXXX XXXX and Commonwealth Financial Systems for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is collecting for Citi Bank Credit Card. Due to my XXXX and unable to work due to the covid19, I hired a bankruptcy attorney Atty. XXXX XXXX. XXXX XXXX XXXX were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.

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