vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
During the course of the lease in question, I, the customer, consistently paid on my account early and in excess of the minimum amount due. When the lease had ended, I returned the vehicle in pristine condition. GM Financial had agreed, but had charged $XXXX in over-mileage charges, with the final payment due on XX/XX/2019. I am not disputing this charge, I want to pay it. GM Financial offered only ONE method of payment for their final bill, via check and using a slip attached to the final bill. On XX/XX/2019, a payment for $XXXX in the form of check (from my account, check #XXXX) along with the final bill slip was sent via USPS to the address provided by GM Financial: XXXX. XXXX XXXX, XXXX, AZ XXXX as instructed by the final bill sent by GM Financial.I have not heard from GM Financial directly since. However, GM Financial, without indication, warning, or otherwise, reported to XXXX  a serious delinquency on my account. The only way I found out about this was through a credit monitoring service. GM Financial lost my check. GM Financial did not send any additional notices. A dispute from XXXX  confirmed what was stated in my initial paragraph: I, the customer, consistently paid on my account early and in excess of the minimum amount due. However, the end result of the dispute was inconclusive. When reaching out to GM Financial to see what the problem was, they simply refused to help or even look into the matter further. The date, time, and person I spoke to from GM Financial was recorded for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For 3 months equifax has failed to conduct a thorough investigation. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an investigation that failed to review any of the documents and allowed the creditor to continuously change the delinquency dates. As I filed CFPB complaints Equifax did not review what was stated in the complaints and kept throwing the account in dispute as balance being disputed which was incorrect. I have over 25 recorded calls of representatives and supervisors disconnecting the call on me, cold transferring my call without notice, discussing information in my file without verifying me first and denying my right to be transferred or speak to a supervisor. The last credit report I received from Equifax on XX/XX/2019 stated the account was updated as pays as agreed and all late charges were deleted. On XX/XX/2019 I received notification that I had a new charge off listed on my report. Equifax made modifications on the report to again reflect charge off with no notice to myself. There were no open disputes on file and all disputes in regards to the acct had been cancelled as of XX/XX/19. They have made SEVERAL FCRA violations. My credit score has been affecting as it is reporting I had a deliquency reported a month ago but this account was reported as a delinquency 6 years ago.1. CRA failed to conduct a proper investigation and follow dispute guidelines2. Failure to notify myself with the new negative credit information.3. CRA is reporting an old debt as new by manipulating delinquency dates to list account as first being reported as a charge off in 2019.4. CRA’s are obliged to correct or delete inaccurate information within 30 days and failed to do so5. CRA continued to report a debt as charged off when it was settled or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: NV

Complaint narrative:
I switched Home Insurance Companies at the renewal period last month going from a XXXX   annual amount to XXXX and Stearns sent out the payment. I got my annual Escrow Statement and for some reason it's stating that my Escrow account is short/negative for next years payments. I look at the details and it shows the XXXX deduction twice giving me a negative balance. Then they adjusted my payments for next year from XXXX to XXXX to compensate for the shortage. I called yesterday XXXX and spoke to a rep who I had to explain numerous times how to calculate that the math is not adding up. She advised me that the payment was sent twice but only deducted from my escrow balance once. This is not true and you can clearly see that statement is not accurate on the document provided. After putting me on hold several times and an hour later, she advised me that my balance had been recalculated and that it is currently at positive XXXX which is an accurate calculation based on my math. However, my payments are still to be XXXX for next year... this would cause me to pay a large amount back into escrow causing for a large known overage to be reimbursed next year. This is not okay and since they have adjusted the escrow balance the payment should not still be reflecting the previously advised amount based on escrow shortage.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I cannot get any assistance from Equifax..I tried to get a copy of my file they want send it, I have sent written request with copy of driver's license,called per phone, ordered on phone, 8 an totally ignored. In the mean time erroneous reports on my file ,people are checking my file without my permission and my credit has dropped so low I can not qualify for a home and I am XXXX. I worked as an XXXX XXXX  of a company before I retired because of a health scare, with  a XXXX XXXX dollar income yearly, so I know how to handle my income and budget but when someone refuses to assist you that unacceptable, also when I file a complaint they accept someone on the phone who says yeah it's owed with no proof of that debt.    I am requesting you assistance to make this company to assist me as they should be...like I said I can't buy a car, get housing and I am a XXXX   year old XXXX XXXX who doesn't deserve this after all the people I helped in my lifetime!!! Is there any decentcy left?Respectfully,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to Transunion and 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 2019-12-13 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: TX

Complaint narrative:
XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: Netspend Corporation
State: AR

Complaint narrative:
I have had a account with NetSpend they have frozen my funds on all my accounts saying I am dead and will not give me access to them. It ALSO locked me out of my PayPal account also.

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 2019-12-13 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
On XX/XX/2019 an incident report was made. 
On XX/XX/2019 a dispute form was faxed ( receipt ) to PLS Dispute Department. ( Fax receipt & phone verification was ok ). 
On XX/XX/2019 a Pls Dispute associate confirmed that a provisional credit was to be issued no later than XX/XX/2019 and not by XX/XX/2019 as stated in PLS computer ; the associate also noticed that the system stated to have received the Dispute form on XX/XX/2019 and not the actual date of XX/XX/2019. 

On XX/XX/2019 I checked the card and the credit had not been issued. 

On XX/XX/2019 @ XXXX XXXX, I spoke with Pls associate/ Dispute Supervisor XXXX  ( ID # XXXX ) who informed me that the provisional credit would be issued on or before XX/XX/2019. Not in the 10 business days from the date of XX/XX/2019. Ms XXXX also stated that there was not any phone number she could give me to call and make a complaint about such discrepancies. 

I informed Ms XXXX that per FDIC & Attorney General regulation ( s ), laws and guidelines ; that there was definitely supposed to be a form of contact for customers to report financial institutions. Ms XXXX informed me that PLS had none. 

Basically it seems PLS financial institutions are operating outside of governing laws without regards unto otherwise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 non-monetary relief
Consumer complaint received 2019-12-13 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: Veros Credit, LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX.  I am completing this complaint with the assistance of my attorney, XXXX XXXX XXXX  

I purchased a home located at XXXX XXXX XXXX XXXX XXXX, NY XXXX, which sale closed on XX/XX/2019.  In the loan application process, the mortgage broker for Citizen's Bank, XXXX XXXX, provided me with three or four different Closing Disclosure forms.  The Closing Disclosure that he said was accurate and would determine my monthly payment listed the monthly payment as $XXXX. 

In the first week of XX/XX/2019, I received a notice from Citizen's dated XX/XX/2019, which stated that my escrow balance was short $XXXX, and that I had to pay that amount.  Additionally, the notice stated that my new monthly payment would be $XXXX if I paid the $XXXX, and $XXXX   if I did not.  The payment was due on XX/XX/2019.  I could not make that payment, but have continued to pay the $XXXX per month that I was obligated to make pursuant to my loan agreement.

I reviewed the Closing Disclosure with my attorney.  We discovered that in the Closing Disclosure, the taxes were intentionally understated.  In looking at previous Closing Disclosures that the broker had prepared, the taxes on those changed, but were accurate on the highest disclosure.  It seems clear that the broker intentionally misrepresented the true taxes so that I would be approved for the loan.  My attorney advised me that this is a violation of the Truth in Lending Act.  He also suggested that I attempt to resolve this with Citizen's first, then contact this agency if the Bank would not assist me.  Citizen's would not, so I am filing this complaint with the hopes that I will not have to sue the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TX

Complaint narrative:
Equifax Information Services, LLC failed to properly investigate a dispute I submitted. on or about XX/XX/2019, I submitted a dispute for the reinvestigation of a public record listed on my consumer credit file. On or about XX/XX/2019, Equifax purports to have completed the investigation and verified the information. The listed XXXX as the information furnisher that verified the information. However that is impossible as I have a security freeze placed on my XXXX XXXX consumer file. I contacted Equifax to verify this information on at least 2 occasions and was told that the information had been verified with XXXX. I then followed up with a call to XXXX XXXX who verified that there had NOT been ANY access to my consumer report by anyone, including Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation