vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
TitleMax of California/TitleMax wrongfully repossessed my vehicle. I satisfied them with all the documentation they requested proving that they wrongfully repossessed my car, along with the certificate of title I received from the DMV and they still will not return my car. They have further delayed the return of my car by filing a fraud claim with the DMV. They have cause me mental and emotional distress for their wrongful repossession on top of car rental fees during this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Derogatory remark on XXXX report. 
Collection Agency : Portfolio Recovery Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Amount : {$1500.00} I have disputed this with XXXX, but it continues to stay on my credit report. This is not my account. I have never had an account with the above company and wish for it to be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have contacted company about debt owed they use trick questions in the financial assistance department. I am will to pay on account I was asking for some extended or tack behind on end of loan or pay interested to get account caught up. I was willing to pay one full payment. However the Financial assistance department asked me a series of questions to see if I qualify. If you answer and say yes you cant afford your payment they tell you that you do not qualify for financial assistance. But they are trick questions. I am just trying to get my credit back on track and get the account caught up. Ive also called me Sunday before XXXX XXXX. the times for Sunday cause I thought it was XXXX to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Pioneer Credit Recovery , Inc started calling us over a month ago, every single day. I've told them a dozen times there is no XXXX XXXX here and I've had the phone number for over 21 years. I also told them I am a XXXX veteran. They say they are going to adjust their records but the next day the calls continue. Twice they said they're going to put a Do-Not-Call order on the account but they still continue calls the next day. Never Once have they said they're going to erase my phone number from their system. No matter what I say they refuse to stop calling me daily to ask for someone who has not been here or associated with my phone number for over 21 years and there seems to be no way to make them stop.

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 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
We recently fell behind on our payments due to an unforeseen accident. I called the mortgage company after we were able to return to work and our income returned to where it was at before. I advised the mortgage company of my intentions to bring my account current and was advised of deferment program that I may be eligible for. I filled out the required form on XX/XX/XXXX and set up an arrangement to pay {$2000.00} which was half of my past due balance on XX/XX/XXXX, then would call in to see the status of our deferral application. I have 3 complaints when it comes to my attempt to make a payment. 

1. I was advised that if I chose to make a payment on my account it would void my application for deferment. I was advised I would not be charged any lafe fees during the review process, but it they would continue to report any delinquencies to the credit agencies. I was advised that the application process can take 30 days to complete. I am being forced to pay the late fees on my account in exchange for protecting my credit score. 

2. My monthly payments are approximately {$1800.00} and my past due balance is approximately {$4000.00} with the late fees. I called to pay half the balance, to make a payment for {$2000.00}. I was told that I was not allowed to make a {$2000.00} payment. I was told anything over my {$1800.00} regular payment would be refused and if I mailed a check I would be issue a refund for the difference. I was told I could either pay {$1800.00} or the entire balance. I don't understand why the mortgage company is refusing to take my money. 

3. I attempted to make my payment online and through the automated phone service but was only given the option to pay the entire past due balance of {$4000.00}. When I called into the customer service to make the payment, I was told that I would be charged a payment fee for making the payment with a live agent. I was told since I could not make the payment online or through the automated service the only other option I had was to mail the payment. Since there are 5 days left in the month this means that more than likely the payment would not arrive until after the XXXX causing me to be charged additional late fee, unless I overnighted the payment, which would cost more than the payment fee. I feel as though they are using this to extort me into paying an extra fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I wrote a request to Experian to investigate XXXX. They still havent started the 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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i only havd this card for 1 year, made monthly payments on time XX/XX/XXXX my account on my credit report was closed XXXX and reported a 30 day late payment if you look at my records i called in times this month to make a payment it was not being be received by your company. my bank account was not blocking any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : In XXXX, 2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to XXXX, Equifax and XXXX that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XXXX, 2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
The Fidelity Investment Credit Card, provided by Elan, has recently updated their XXXX software app so that the user can no longer see pending transactions and posted transactions. I believe this was done to make it difficult to pay off the balance in real time ( previous incremental changes made it difficult to pay balances too, but are not discussed here ). But this also makes it difficult for the user to monitor potential fraud on their account. This information is also valuable to monitor spending and should be easily accessible. A user can have enormous charges pending, but the app shows a {$0.00} balance for several days. 

There is a way to see transactions through a desktop web portal, but its convoluted to do so. Theres no reason for balance information to be hard to access, besides ill intent. 

The recent change to their user app is alarming and suspicious. This does not seem like a user friendly change, but rather the opposite. This deserves investigation. 

Ive contacted the company through two mediums, but they have not responded.

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 2019-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
My XXXX XXXX XXXX  engine quite. When I contacted credit acceptance because it was supposed to be still under warranty so I was told to take it to the XXXX store and was informed that it was not cover under warranty. Credit acceptance repo my car and told me that they would hold a private auction to sale my car and will refund me the balance but instead they added it to my credit and the remaining balance. I have paid over 9,000 dollars credit acceptance made false advertisement and broke my contract by saying I had a 5 year warranty when the warranty was expired.

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
I can not convey how inadequate this company is. 

They bought my home mortgage loan from another provider three months ago and have screwed up my payment two out of the three months, XXXX and XXXX of 2019. 

Two out of the three months they have had my loan Ive had to go get a copy of my bank statement and the canceled check to provide to them to get it straight. 

If what has happened to me thus far is any indication of what the future holds I wouldve been much better off taking out a loan through my local savings and loan and paying {$15000.00} more over the life of the mortgage. 

Not worth the savings to have to deal with the XXXX they put you through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was serviced by Ocwen. Ocwen sold/transferred my loan to PHH. All payments were made timely. My loan was not timely/accurately transferred. I was just notified by XXXX XXXX that my loan as of XX/XX/XXXX reporting 30 Days late, with a {$0.00} balance and closed XX/XX/XXXX. My account was not 30 days late. When we called PHH and Ocwen we were advised that the over 30 will be removed due to it being inaccurately reporting. I was advised that there was a delay in Ocwen transferring the loan to PHH due to system issues. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: KY

Complaint narrative:
I stayed at XXXX XXXX XXXX we're i under a landlord who was fraudulent and a legally change my rent payments and added utility charges that was not on my lease. When I approached her she threatened to draw a eviction up and did. I asked for contact info and was deny the information being a single mom and young I did not know how to handle the situation so I just let it happen. This was my first apartment and I had just moved to this new state I was taking advantage of and thanks to me not saying anyting dietitian was place on my credit and even though it has been over two years ago I have yet to find another place to stay. It was a bad experience that has literally Place my family in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a capital one credit card account on my credit report but I don't have a capital one card or don't have access to check online about this account. I called and they want me to send a copy of my drivers license to them in order to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America denied my claim using various reasons. I have attached a copy of the previous complaint as reference. I would like to know what are the next steps I can take to recover my funds. I do not agree with the decision that was made I did not make the transactions in question. I do not believe I should accept a loss that occurred through no fault of my own. I am respectfully requesting that BOA please take another look at my claim. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Prestige Auto has failed to update the past due history on my account. Prestige Auto received a payment from my insurance company in the amount of {$16000.00}. Prestige is currently showing inaccurate past due history. I have tried several times to have this information updated however the correct updates have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
hello this complaint is in regards to XXXX, i called earlier today to request help with options on getting on track with my past due which was XXXX dollars i told her i could pay XXXX dollars today, due to being in the hospital and being off work, the agent was not helpful and was being rude so i hung up and didn't call back at all, then today at XXXX XXXX my local central time i get a call from the agent from her personal cell number cursing me out and she left me a voicemail, my concern is has my social and personal information been compromised, she needs to be fired!!! she took the time to call from her personal phone number & left me a voicemail after hours!! she needs to be fired!! my biggest concern is my personal information, this needs to be looked further into! what kind of workers do they have handling our personal information!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Ive been trying to get this deleted from my report I never had the card it was stolen from me I disputed couple times and no resolution have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed a closing eDoc, and on that document, it indicated that was was to get around {$16.00} for a refund. When the notary appeared at my home, those documents were different. I was to pay {$290.00}. I asked the notary about it, but he said he did not work for XXXX XXXX. He told me that I had 20 days to change my mind. I signed the documents, and then sent an email to XXXX XXXX, and I made a phone call. I figured they wee never going to call me back, so I called XXXX to set up the wire because I was afraid if I did not, I would get kicked out of the bank 's house. 

I downloaded the eDoc and I have to one from the notary. There are also other differences as well, but that was the first one I noticed. 

I thank you in advance for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TX

Complaint narrative:
I have submitted multiple disputes with TransUnion and XXXX. This concerns a late payment report by XXXX XXXX XXXX in XX/XX/2017. Creditor agreed to remove information from my credit report. I have never been behind on payments and account was paid in full. Though multiple disputes have been filed with both credit reporting companies, nothing has changed. The most recent dispute was over 2 months ago with no information provided. Previous disputes reported that the information would be removed. Thus has not happened and it is still impacting my credit report. 

I request the information be removed immediately or documentation provided showing the account balance, amount paid to date, beginning balance and minimum payment. We have never been late on a payment as we paid in excess of the minimum due at the time of this claim.

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