vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed after being late 6-7 times in over 3 years. Payment was made on the loan in XX/XX/XXXX and the Lender was contacted to confirm the status of the loan. Per the Lender my vehicle was repossessed after 72 days of being late, although I had made payment on XX/XX/XXXX and arrangement to make additional payments to become current. 

Just prior to the issues I made contact with the Lender in XX/XX/XXXX and XX/XX/XXXX to discuss a temporary employment issue that I was experiencing and make payment. I advised that my financial issues were temporary and requested my loan be adjusted to allow me to catch up on the late payments. I was advised at that time I did not qualify. The Representative was also asked if I was in any danger of repossession and I was advised that I was not, however I was 53 days past due. 

On the date of repossession I placed a call to the Lender to discuss what had occurred and find out the amount needed to recover my vehicle and find out why my vehicle had been taken. The Representative asked a series of questions and when I was asked why I had been late 6-7 times. I advised her that work had become slow and a temporary lay-off, this caused me to be late. Additionally, I was asked to provide a reason about late payment dates over a year ago and when I advised her that I could not recall what occurred over a year ago, the Representative advised me that I did not qualify for recovery and needed to pay the entire loan balance in the amount of + $ 20k, because I could not answer her questions. When she was advised that I do not understand why they were demanding a full payment the Representative stated, " Well since you do not know why your were late and could not answer my questions, you will need to pay the full amount. '' The Representative refused to except my source of income information, indicating that there was nothing that could be done because I just did not qualify. 

When I asked to speak with a Supervisor I was advised that none were available and that someone would call me back. I never received a call back. I subsequently called back several times and was advised by various representatives that the determination had been made and I would not be able to recover the vehicle without full payment. 

As I further reviewed the account it was discovered that my principal balance never decreased and that the daily interest rate calculated when payments were late absorbed the payments made over the course of years. The principal balance decreased. The interest rates were predatory and the charges were not fully disclosed, without explanation from the Lender. The loan origination amount was {$20000.00} with the current balance at this time being {$20000.00}. This would appear that only {$220.00} applied to the purchase of the vehicle in 39 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To whom it may concern : At XXXX XX/XX/2020 portfolio recovery -AGAIN- called my home and hang up this is not my first complaint about their communication tactics the year before I complained. Last year they had called my home repeatedly called hang up, the following day they did the exact same thing except that time was different. They repeated called in one day and kept calling in 3 hours and hanging up and they did it again this time. This is unacceptable and very unprofessional. Im deeply sorry but I have no job to be able to pay my debts Im more then happy to make a payment of {$1.00} if they would like. Other then that Id Like for these repeatedly hanging up calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: VA

Complaint narrative:
Every day for over a month I get multiple calls per day often waking me from sleeping since I work 3rd shift to collect from debt. This is Sallie Mae that calls. Today they contacted my stepsons girlfriend and told them in a voicemail that they were calling for me about a job interview. I never supplied her number to anyone as I don't even know her number. She let my wife know on XXXX since I don't have XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I lost my wallet in XXXX someone was using my ID I also went to XXXX because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX and other stuff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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: Total Card, Inc.
State: CO

Complaint narrative:
I had a credit card with XXXX XXXX XXXX  ( Total Credit Card ) which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX   balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to XXXX, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with XXXX to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
At the end of XXXX we prepaid the our property taxes that were due for XXXX. I call the mortgage company and told them this information I also faxed them proof of payment so they would know not to pay the property taxes that were going to be due. I followed up on the fax and they verified that they had the documentation and they were doing escrow analysis for us. My spouse also called to inquire about the escrow analysis on XX/XX/XXXX and was told they were processing the analysis. On XX/XX/XXXX we received an email that a payment had been made for our property taxes. I have verified with the county on XX/XX/XXXX that they have refunded the funds back to the mortgage company. I spoke with them today XX/XX/XXXX and they are not showing the funds being credited to our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I was offered a settlement of XXXX by convergent outsourcing for a past due debt I had with XXXX XXXX. This would close the account and it would noted as paid in full. I agreed to this amount and paid the balance that same day. I was told I would receive an email confirmation but never did. On Saturday XX/XX/2020 I checked my credit report and it showed the balance had decreased and I still owed money. I called XX/XX/2020 and was told by their representative that they saw I was offered a settlement and it had been paid, but they were waiting on XXXX XXXX to close the account. When I asked why they did not report the payment as a settlement to the credit bureau they said it takes 30 days which is why I still saw a balance. I contacted XXXX because this did not sound correct and I wanted to verify with them as well. I spoke with a representative and she saw that a payment had been made and there was a lower balance. I asked if she could see anything stating this was a settlement and the account would e closed. She stated she did not and would call the convergent outsourcing and try to get a little more clarification. She was put on hold multiple times and given the run around. Finally she got a hold of someone and when she went to conference me in they hung up! She stated that she was told by a representative that they had already spoken to me and that she had no business calling. She was just as mind blown as I was when she heard that. I have every right to go behind and double check who I am sending my money to when it comes to me paying off debts. XXXX XXXX also has a right to know how their clients money is being handled especially if the choose this debt collector to work with their clients. Convergent Outsourcing is incredibly unprofessional and will make you feel uncomfortable about how your finances are being handled.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CA

Complaint narrative:
I have closed my XXXX  XXXX credit card account about six times since XX/XX/2019 XXXX  XXXX says its closed when I call but Equifax says they just reported XXXX dollar monthly charge wich is ruinning my credit!!! I dont owe this company a single dime and never ever have I close this account monthly and they are forcing me and destroying my credit wich used to be XXXX before all this started I am so XXXX XXXX  my next step will be to abtain an attorney and sue for the extreme distress this has caused my husband and I. I have several credit cards with XXXX balance because of this disaster I no longer want to use them this will be resolved one way or the other because its against the law to force someone to pay and be belitted against their will credit one and equifax are so stupid its pathetic that between the two of them get it through their head this account no longer exist!!!! XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my Gap card, my payment is due on the XXXX  of each month. I receive all kinds of updates on the card, promotions, receipts, payment confirmation but I never actually receive a bill. I have gone paperless, and even though I have communicated with them before about the lack of billing notices, nothing happens. I signed up for text messages to tell me when my bill is due, but still nothing. I was one day late this month, paid on the XXXX  because I remembered too late, not because I ignored the bill. I know that I am responsible for paying on time, but there is no other card or bill that I receive on any other account that doesn't remind me when a bill is due via email/text or through the mail. I feel like Gap does this on purpose to collect the outrageous {$39.00} late fee from consumers who never get a reminder that their bill is due.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report because I was made aware of a XXXX XXXX  account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

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 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX  balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to Transunion, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with Transunion to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.

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 2020-03-09 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: NY

Complaint narrative:
These are not my accounts

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. 

I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. 

He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. 

I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP

Company response to consumer: Closed with explanation