vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, Experian and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

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 2020-04-20 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance corp 1 : As of XXXX, the balance to the car loan was up to date and the total balance of the car loan was around the XXXX mark ( the creditor can confirm this ) 2 : As of late early XXXX the car a surrendered to the bank and weeks later they tried to file a claim with my insurance company for damages that I was not at fault for. The charges were around XXXX 3 : As of around late XXXX they tacked on that balance to the remainder of the loan and the balance was showing at around the XXXX. 
4 : Early XXXX they adjusted it to around XXXX on the website but they are reporting on my credit report that I have a balance of XXXX and I am still being reported as late even though the loan is closed

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-04-20 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 off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's 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 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX dollars was deposited into Pnc bank. The deposit was endorsed pay to the order of Pnc bank without recourse On XX/XX/2020. Pnc accepted the deposit and gave a receipt. The deposit posted to the account ( collected ) ledger balance on XXXX. The balance was not made available. It was showing on ledger but never made available. It was withdrawn out of the account without permission along with an additional {>= $XXXX}. They stole my money without permission. Closed the account and locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep. 
On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX  to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed. 
On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX  XXXX. 
On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX. 
On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I currently owe {$150000.00} on my home. 

I called to get the PMI removed. They told me I need to pay for an appraisal since my LTV was not 80 %, I agreed and went through them using 3rd party company to get my home appraised. 

We both have official paperwork stating my new home value is XXXX. Putting my LTV at 78 %. 

They still refuse to remove my PMI. Now stating I would need to get my LTV down to 75 % before that happens. 

Reading up on my rights as a consumer, I believe I'm protected from this and this would be illegal to not remove PMI once I'm under 80 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ON XX/XX/2020 AND XX/XX/2020 I wrote to all EXPERIAN in the hope to get items off of my credit report that does not belong to as they are causing harm to my credit profile

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian allowed XXXX XXXX XXXX to pull my credit report. This company accessed my personal information without my consent. It is too easy for anyone to access someone's personal information, and this can be dangerous. I have not had any dealings with this company since XXXX. No payments, no arrangements, no conversations. I called on XX/XX/XXXX when I received an alert that XXXX XXXX had pulled my report. I tried to contact Experian, but could not get anyone. I did not give this company permission to pull my credit. I had to shut down my bank account, change my phone number and change employers because of the harassment I received from this company in XXXX. Too many people have too much access or liberties when it comes to consumer private information. This is not fair that I have to fight to get this information removed. It took them seconds to get my information, it will take me months to get the information removed.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX BB & T does not allow auto pay with anything other than minimum payments forcing you to either pay each month manually or paying forever and never getting out of debt. This is my only card that does this, all others allow you to set your auto payment amount to whatever amount you choose. This should not be allowed, it forces the poor or uneducated into bondage! I called and spent thirty minutes with the bank personnel and then the supervisor and she confirmed very politely that they don't allow that option. I informed them I will pay them off soon and never bank with them again. It just seems to me this should not be allowed to continue, and I hope a complaint filed this way has some teeth and will convince them to change policies. 
Thanks, 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 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had a Walmar'st credit card and AutoPay setup with XXXX XXXX  . Walmart 's moved to Capital One as the new credit card service around the end of XX/XX/XXXX and I only received notification a few days before my credit card account was transferred to Capital One. I contact Capital One credit card service and Walmart 's Customer Service Department and got no help in trying to resolve my credit card debit of {$430.00} in promotional purchases. Capital One was trying to make me pay {$590.00} that was paid off with XXXX XXXX. I explained to Capital One Rep 's I only used my Walmart credit card for promotional purchases only and never made any regular payments Bottom line, I made several attempts over the phone to make a payment of {$430.00} BUT Each Time Capital One would not accept the payment. In addition, Capital One did not have record of all my credit card statements under XXXX XXXX  who failed to notify me of any debt owed prior to the transfer of my credit card account to Capital One. Capital One only held credit card statements for parts of XXXX and XXXX. Capital One is still charging me past due interest fees for an account that has been closed and not trying to resolve the matter that wasn't created by the customer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.

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 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I wrote to transunion about collection account that was on my credit report that do not belong to me. please help

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 2020-04-20 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is a fraudulent account that is not mine and I have disputed this before with my proper identification and it was removed but returned. Im in the process of buying a home and when i realized that my score dropped, it was this again.The following accounts are convergent outsourcing, inc. for {$1200.00} and the other is XXXX XXXX XXXX with a credit limit of {$300.00}.

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 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Buffaloe & Associates, PLC
State: NC

Complaint narrative:
I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
My complaint is against the company Square. They are a merchant settlement company. I signed up for their services, in XXXX, because I have a XXXX  XXXX  company. The account was opened right away, and I started using the account. After a few days, they asked me to provide more information, which I did, like bank account information, and some other things pertaining to my business. After I provided what they asked for, they sent me an email stating that my account would be closed, because it is considered high risk. I had already processed about five thousand in transactions. Then sent an email stating my account would be closed, and my funds would be held for 90 days. This is my second complaint regarding this. There was nothing done, due to the first complaint. The reason I am filing this second complaint is due to the Covid 19 Pandemic. I also have a fulltime job, and my job just like many others, I have been effected by this pandemic. I have been laid off from my job. I work for a company that prepares XXXX XXXX XXXX XXXX. I am filing this second complaint, because I need my funds to take care of my family. TI am a XXXX  XXXX XXXX, and I would like for this company to release my hard earned money. I can not afford to wait until XX/XX/XXXX. I need my money right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
My loans were put in forbearance status 3X by Fed Loan Servicing while they processed paperwork. I was called by Fed Loan Servicing staff and was told that if I made the 3 payments they would be counted towards the 120 needed for Public Service Loan Forgiveness. A recent tally letter was sent and it doesnt look as if these 3 payments were counted ... so where was the money applied? if they arent going to count them then I would like the money back. 

Also, I consolidated all my student loans on the same day into Subsidized and Unsubsidized loan packages. I have been making payments on them at the same time, but one shows as having 110 qualifying payments and one show as having 109. Both should have 110.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us bank is reporting to credit bureaus that my account is 30 day past due for the month of XX/XX/XXXX. I requested this company to investigate this matter multiple times but failure to do so. My account was never 30 days past due. My payment was late but never 30 days past due. My due date was on XX/XX/XXXX. A payment made was XX/XX/XXXX. Posted on XXXX. That is not 30 days past due. 30  days past due would be XX/XX/XXXX. This creditor is falsifying information on my report.

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 2020-04-20 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: GA

Complaint narrative:
I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX DateXXXXXX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : XXXX {$75000.00} Account Name : XXXX XXXX XXXX XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:06/01/2018 Amount : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX for {$54000.00} original contract date was XX/XX/XXXX. I had over 730 FICO scores, and USAA informed me their best rate was 4.5 % for 15 years on that boat. When I was approved they gave me 10 %. I received this boat loan through USAA with every intention of refinancing as soon as I could. I refinanced through XXXX XXXX XXXX XXXX at 4.6 % the first week in XX/XX/XXXX. In XXXX I requested a payoff as well as an itemization of my account. I then requested the same in XXXX when I knew the loan was paid in the first week of XX/XX/XXXX. I called again in XXXX requesting the payoff. I was getting very upset. The payoff amount was higher than the original amount that I purchased and the original loan amount I received from USAA. Finally, in XXXX I went to the escalation department and someone finally sent me an itemization. It only showed the amounts and dates of the payments, there was no principle and interest deductions and itemization on the document. I paid XXXX in payments on a 10 % rate and I owed on payoff {$54000.00} that is {$250.00} more than I purchased this boat for! This has happened to me before with USAA on a car loan. I ended paying it off in three phases. I put {$10.00}, XXXX on Principal and USAA used those funds for interest rather than the intended principal payments, 6 months later I put {$3500.00} and then {$1500.00} down. I requested an itemization for a {$16000.00} loan on a used XXXX XXXX XXXX   and I never received it. Once again they told me their best rate was in the 4 % range and 6 years, I had a 16.6 % rate and I paid on this vehicle in 18 months. if I did not pay this amount toward principle I would never know what I actually paid for that car because I was never given an itemization from USAA on my payments. At 10 % 15 years {$54000.00} my payments should have been {$580.00}. USAA calculated this loan payment at {$580.00}. The number of months I paid I should have paid Month Principal Interest Total Paid Balance XX/XX/XXXX {$130.00} {$450.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} Instead, I owed more than I purchased for this boat. They have robbed me financially and broke laws. They have refused to give me an itemization showing principal and interest payments. Instead, they gave me just my payments and told me that is all they could give me! They now have robbed me twice on two loans and this is illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation