vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a request to verify the debt the company claim I owe. 

Few days ago I received account statements via mail. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

I ask to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. 

The failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC made changes that don't allow accessing of accounts. XXXX  integration broken!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC wont let me transfer money to apps. It doesnt work for XXXX, XXXX, or XXXX. And when I tried to open another bank account with a different bank it wouldnt let me transfer money there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
i tried to transfer money from my PNC bank aacount to my XXXX investment account, PNC keep mentioned that i'm not allow to transfer my fund to unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Prior to CoVID-19, our family had a planned trip to XXXX. A purchase we made using our PayPal account was rail/train tickets from XXXX XXXX at the cost of XXXX USD. 

As the CoVID crisis went on and continues to do so, we contacted XXXX XXXX XX/XX/XXXX via email to let them know we were canceling our trip. Their website states the following, " f your travel date is until XX/XX/2020, you can modify your travel date or cancel it with no additional cost with a refund corresponding to the rate that was paid by writing to XXXX. '' On XX/XX/XXXX we received a reply with the following, " Dear Ms. XXXX, Thank you for contacting the Refunds Area of XXXX. Let me inform you that our Commercial Management due to the unfortunate news about the coronavirus has made the decision to reimburse 100 % of the value of your 04 tickets associated to the booking XXXX XXXX. Likewise, we inform you that your refund will be processed directly to the same Paypal account, used in your purchase. This process will take approximately 25 business days from now and at the end of this period, you will be able to verify this information into the statement of your Paypal account. Please also consider that we depend on banks and credit card processes. '' We waited more than 25 business days before trying to contact XXXX XXXX, however since the XX/XX/XXXX email we have received no reply. 

This forced us to take up the matter with PayPal with their dispute a transaction department on XX/XX/XXXX. We filed as " Refund not received ''. We provided PayPal with all the documentation that would support our claim. Yet, on XX/XX/XXXX we received an email that they were siding with XXXX XXXX without any actual details other than " it doesn't match PayPal guidelines of a Billing dispute ''. That's an interesting statement because from our perspective it's a bill we have through PayPal, for a service we purchased with our Paypal account for which we never received and we were promised a refund. There is no way to contact PayPal either to speak to an actual representative at this time. 

CFPB is our last remaining recourse.

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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit reporting calculations are a farce and a discredit to those who must endure the financial difficulties due to the inept scoring by Transunion and XXXX  alike. When payments of {$75000.00} - {$100000.00} are reported on my total debt the scoring goes up 2 points. However when a {$19.00} charge is reported on a revolving charge card ( XXXX XXXX ) that is usually paid off before it is even billed the score goes down 2 points! ( All my cards stay at a XXXX Balance due to timely payments before the billing cycle ) This inept scoring is totally unacceptable. It continues apparently unchecked by any governing agency. When I called to report my complaint to Transunion I was ( after several minutes of electronic dialogue and button pushing ) connected a XXXX   voice that was almost unintelligible, He would only repeat some scripted paragraph over and over and could not give reason to my query. These reporting companies continue to affect good peoples potentially good credit with some off-hand form of calculating that has no rhyme or reason and can not or will not be explained by their representatives. It seems they are nearly untouchable and intentionally oblivious to the people whose financial lives are in their hands. It seems like everyday there are new class action suits for many things that go unchecked far too long. Maybe they are next.

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 2020-06-10 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:
There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, Equifax, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  XXXX XXXX and XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The vehicle loan was financed through TD Auto starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by TD Auto I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In XXXX of XXXX I refinanced my XXXX XXXX XXXX from Bridgecrest to a new lender. I was not aware that time but my GAP insurance was cancelled and I was owed a refund of {$640.00}. At that time Bridgecrest did not advise me of this. For an entire year they withheld the {$640.00} after my loan was no longer with them. Finally in XXXX of XXXX I received a letter indicating that if I would like to receive my GAP insurance refund I had to sign and submit the attached request. I did that and the request was processed by XXXX XXXX on XX/XX/XXXX. Last week I contacted XXXX XXXX via e-mail because it appeared that had an old address on the confirmation the sent me. They told me that Bridgecrest would be sending the check and I had to contact them. I have an auditory processing disorder so my wife contacted Bridgecrest for me that same day and the indicated they had no idea what she was talking about and told her to call back the next day to talk to the financial department. 

She waited a week to give it time to get in their system, then she called back two days ago. She spent almost 45 minutes on the phone waiting on hold. Eventually the representative told her that they had to contact XXXX XXXX. The rep contacted XXXX XXXX, confirmed that there was a GAP refund of {$640.00} that needed to be sent. The representative came back on the call with my wife and told her that the check won't be sent yet because XXXX XXXX hasn't yet notified them. Even though XXXX XXXX JUST told her that a refund was owed, so I'm not sure how almost 4 weeks later that isn't " notification ''. The rep told my wife that it could be up to another 4 weeks! 

My wife also asked about the issue of the incorrect address. The rep said that she would add a note to the file but couldn't guarantee it would be sent to the correct address. The old address is no longer forwarding my mail so if the check is sent there it will be as good as gone! 

My wife asked if the funds could be directly deposited to my bank account and the rep never really answered her question and just brushed her off and talked about the mailing date. 

In the current days of massive job layoffs and covid-related expenses, this {$640.00} would go a long way in helping my family. However, after holding on to it for a YEAR after it should have been return, it seems Bridgecrest is in no hurry to send it to me.

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 2020-06-10 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: GA

Complaint narrative:
The vehicle loan was financed through XXXX XXXX starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by XXXX XXXX I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.

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 2020-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: FL

Complaint narrative:
I received the payment stub in the amount of {$1000.00} without any explanation, without having received any communication about it. My monthly payment is {$780.00}. I have never been late in payment. And they know that I pay the mortgage with my social security and they know the amount that I receive. The amount of the collection is much more than my monthly income. And I was always informed that the payment would be lower annually. They never said it would go up. My monthly payment is : Principal {$180.00} + Interest {$430.00} + Escrow ( Taxes + Insurance ) {$160.00} = {$780.00}. The receipt received is : Principal {$180.00} + Interest {$430.00} + Escrow {$400.00}. I can not pay more than {$800.00} per month. I sent him an email, since they do not answer the phone, demanding an explanation and the only thing they answered is that in their records there is no authorization from me to answer the emails. 
XXXX XXXX// Southwest Stage Funding. Loan : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: NJ

Complaint narrative:
Experian has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Experian acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in  good faith and remove these negative items from my credit report! 

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that Experian is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.

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 2020-06-10 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: NJ

Complaint narrative:
Transunion has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Transunion acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in good faith and remove these negative items from my credit report!

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that XXXX  is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Last year I have opened up an account with Amex Serve, everything was fine until XX/XX/XXXX when my account was shut down. On XX/XX/XXXX there was a direct deposit made in the amount of XXXX for a insurance claim that was filed for me and my partner. Due to Covid 19 we were forced to stay home and filed a claim with our insurance company XXXX, the processed the claim and issued a payment on XX/XX/XXXX. The deposit had a name of XXXX XXXX and Amex has decided to close my account. I have reached out to Amex on several times and none of them have been positive. My first attempt was on XX/XX/2020 and my second letter was date on XX/XX/2020. After second letter I have received a quick call stating the reason the closure but was not provided with any other options or a call back number to discuss that will happen with my money. I wrote another letter on XX/XX/2020 demanding my money either be refunded to the deposit be returned to XXXX so they can re-process it and have not hears back from them since then, I have even provided Amex Serve with copies of the actual claim information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX I received a letter from this company stating I owed XXXX to XXXX XXXX. However, I had been in communication with XXXX   upon me moving out as they were going to put my apartment on the market as soon as I moved to try to get a someone to rent it out before my actual leasing date was up. I moved out 30 days before my lease was up due to miscommunication on their end. However, I agreed to still move as I had already signed another lease with a different apartment so I agreed that I would pay up until someone leases out that apartment. The property manager encouraged myself and my roommate to pay the rent until up until the date we are moving and to not worry about late fees because they were sure the apartment would be leased out. The apartment was leased on. XX/XX/XXXX and our leasing contracting was supposed to be over XX/XX/XXXX. But they still charged me rent and the late fees up until XX/XX/XXXX. Which is charging double rent for an apartment. Therefore, Im not willing to pay this company {$2100.00} as this wasnt apart of the agreement. I discussed this concern with the debt collector ( hunter warfield ) upon receiving the first notice and they stated they would contact XXXX to get a new amount in contact me within 14 days. Well 14 days went last and I received another notice in the mail in late XX/XX/XXXX with the same amount ( {$2100.00} ) and never contacted me with a resolution. So I contacted them once again to resolve the issue and they reported they would contact XXXX  and contact me within 14 days with a resolution. Still no contact and no letters being sent until XX/XX/XXXX when I received notification of this company on my credit report. I called to resolve the issue again and they argued with me about the amount stating I have to pay that or I wont be able to lease an apartment anywhere else ever again. Im willing to pay the amount that up until the new tenant moved into the apartment on XX/XX/XXXX but I will not pay them double the amount of rent. The company would not settle as the are charging the wrong amount plus an ample amount of late fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Unauthorized Inquirers XXXX XXXX  - XX/XX/XXXX Syncb/PayPal - XXXX  XXXX, XXXX XXXX Mortage - XX/XX/XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Original loan was with XXXX XXXX, the company was bought buy OneMain financial in XXXX. Date of original loan was XX/XX/XXXX in the amount of XXXX, account number XXXX. OneMain is reporting negative information on my credit report ( account charge off ). This account was paid as agreed, also paid in full on XX/XX/XXXX. I received a certified letter from OneMain, with all documentation verifying the satisfied account has been paid as agreed, paid in full & it shows that I was never late with making payments. I tried to reach out to OneMain when I noticed that they were reporting my account as a charge off. I also tried disputing the negative information online, the results from the online dispute that the account was verified as accurate & was a charge off. I have also tried mailing letters to the company, but my letters were returned. I would like for the company to remove the inaccurate information or at least update my payment history as this is harming to my credit ability.

Company response to consumer: Closed with monetary relief