vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peoples Commerce Inc
State: NJ

Complaint narrative:
People Commerce is on my credit report as an repo. I was a victim of receiving a lemon from this agency. And I was included in a class action lawsuit against this company and was compensated. The Pennsylvania attorneys general office would brought the class action suit on my behalf also told me this should be removed from my credit report. I was able to have it removed from XXXX but XXXX still have it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have tried to look my PNC account to different services, such as XXXX or other external banks for transfers and it will not link. This prevents me from using the services, as I can not transfer any money to or from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open

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 2020-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I have attempted since XXXX of this year to rectify a payment/ property tax issue. I paid my property tax on my current lease and the money was put onto an old lease that I hadn't had for two and half years. In XXXX Kia Finance showed I owed the property tax on my current lease. I tried to get them to transfer the funds from the old closed out account to the new one. They have not done it. And also, it showed on one of my statements that the amount owed was past due, which is was not because it was paid and put on the wrong account. For fear of the " past due '' amount going to collections I paid it. So, I've paid my property tax twice. They continue to tell me I will be getting a refund for the overpayment but will not send the money. This has gone on for months with them telling me I will get a refund.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Spoke to HUNTER WARFIELD about making possible payment arrangements. Prior to the pandemic - we had made a total payment amount of XXXX. When I spoke to them back in XXXX - I was told my balance was approximately 1300.00. they wanted the amount paid in full. I told them I was out of work and couldn't pay that due to the pandemic. we ended the call with them still asking for the full amount. Fast forward to XX/XX/2020. I was told I owe XXXX! I asked for payment arrangements of XXXX per month. she said she would ask her manager BUT please be advised I would have to pay a XXXX processing fee PER payment they process. I asked if I could mail the payment in to avoid the fee. I was told NO - If I mail it in - that is not considered a payment arrangement. I was given no other choice to avoid the XXXX fee. If I was to pay XXXX dollars a month on the wrong amount of XXXX that would be an extra XXXX dollars just to process payments. 
I feel like this is unfair collection practices by not giving ME the consumer an option. Additionally - my balance has been inflated by XXXX!

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 2020-07-29 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: CA

Complaint narrative:
The credit card company somehow screwed up the ACH transfer which was set up as automatic payments. How they handled it was blaming me even though the bank contacted them and assured them transfers were made. They are not being cooperative and are reflecting too late payments for the last eight months on my credit report. I am a XXXX veteran and can not have this or it ruins my opportunity to get home.

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 2020-07-29 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There is a charge off on my report affecting my credit. It is under SYNCB/MC. I contacted the number listed and they told me they sold off the debt to a third party last year. However, they are still verifying the account as accurate with the credit bureaus. I was never contracted with The third party nor do I recall opening an account with the creditor. I tried to dispute with TransUnion who advised I contact XXXX XXXX. To my understanding, there is a law protecting me from this as I was never contracted with the third party they sold the debt to.

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 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I was supposed to get back {$1500.00} at closing. I have called the company at least 3 times and have been hung up all 3 times. This is quicken loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 submitted a dispute through the Consumer Financial Protection Bureau to Equifax this past Friday stipulating that two accounts from XXXX aren't mine. 

I can't believe they are already saying they have verified the accounts. They have clearly violated the Fair Credit Reporting Act. Can you investigate the process of the verification of those accounts on behalf? 

Also, can you investigate the inquiry from XXXX  XX/XX/2019? 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express saying when I pay my payment it 4 days late but they cant close my account because what happen cov19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EQUITY HOME LENDERS, INC
State: LA

Complaint narrative:
I thought I closed my mortgage with Equity Home Lenders ( EHL ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ( XXXX ) XXXX on or about XX/XX/2018 and I recently found in a credit check of myself, that they did not cancel the loan to avoid paying closing cost with the local XXXX XXXX Court ( XXXX ) until they had too. I found this out from my current mortgage holder XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX ( XXXX ) XXXX who knew that EHL did not cancel my loan and withheld this information from me. 

The failure of both these companies EHL and XXXX has cost me financial and personal damages past and present. Presently, I was attempting a refinance loan to make renovations to my home, as my son is XXXX  and out of school due to the pandemic. He can easily injure himself and me, as I am in a XXXX XXXX  and I injure myself trying to aid him daily. 

I have attempted to reason with EHL and XXXX, but both seem mute to why I need have my original loan cancelled. They said they would make the changes asap, but weeks later I still have not seen any changes. 

I would like for your office to investigate EHL and XXXX  inability to reason and have them make the changes to the record. Investigate my files and all lenders past and present to determine how long they have been violating the lender laws. EHL has not refunded my overpayment of {$410.00} that I made several years ago and reminded them on or about XX/XX/2018. 

I can supply your documents via email upon request from your office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This company working fraudulently to extort funds from me. Sunrise Credit Service at XXXX XXXX XXXX XXXX, XXXX NY XXXX with phone number XXXX has put a false mark on mr credit report on XX/XX/2020 for an XXXX XXXX bill. When I called XXXX, they said the bill has always been current and is not even in my name, it is in another household members name. 

Also, when I told this to Sunrise Credit Service they didn't care it wasn't in my name or that the bill belonged to me or that it was never late. 

The person I spoke to and his supervisor were seeming to try to fish for more personal data about me. This concerns me that they may have my identity now. This company seems to not legitimate. This company seems to pretend they are a collection agency just to get personal information and they get you to call them by putting false information on your credit report. 

I will also report them to XXXX and the Attorney General.

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 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email stating that I missed a payment from a company that Ive never heard of ( Uplift ) .This company did not tell me what the payment was for or the amount due. I have emailed several reps advising them that I did not create an account with them nor did I owe them anything. Finally, they ended up telling me that the payment is for a trip booked with an airline that I havent flown in years. They still have not provided an itinerary, payment amount, or anything else showing I have an account with them. I requested this information via email to the Director. That was 6 days ago and no reply but Im still getting emails about payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX 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 2020-07-29 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX 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 2020-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XX/XX/2020 - I called Optum Bank XXXX to request statements for my Health Savings Account by mail because I am unable to access their online system. Their website crashes my system when using XXXX or XXXX web browsers. Their site is the only one that has this effect. They informed me that there will be a {$1.00} fee for each statement mailed or emailed. They stated it is legal to charge this fee and I have no recourse. 

While it is not going to cause me undue financial harm to pay this fee, I find it disturbing that in order to see my transaction history I can not receive a free paper statement. I think about the people who do not currently have access to the internet that are being charged this fee. It likely has some true financial impact on them to have to pay for paper statements. I know this is not unique to Optum Bank as it occurs on my XXXX account as well and I'm disturbed that we allow financial institutions to take this unnecessary fee from customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2020 I received notice that XXXX XXXX XXXX XXXX removed 4 satisfactory accounts off my credit report. With them deleting this good information caused my score to drop significantly. I want this information reporting due to the fact they are loans that I paid off in full. I am uploading proof of the information that these accounts were deleted

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 2020-07-29 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now when I complain through CFPB now they saying its not me " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm extremely upset they are not taking action on my consumer report and I want this handled NOW!! I PROVIDED EVERYTHING THEY NEED AND THEY STILL NOT TAKING ACTION IN REGARDS OF MY DISPUTE. I WANT THIS HANDLED NOW BECAUSE ITS INACCURATE INFORMATION.

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 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am sending this complaint in regards to being a victim of predatory lending. 
On XX/XX/2019 I was approved for a car loan from Wells Fargo. The car was purchased at XXXX XXXX XXXX. 

The annual percentage rate of my loan is 11.79 %. 

At the time, I had full intentions of improving my credit score and refinancing within a year of the purchase. 

I recently tried to refinance with Wells Fargo and they are no longer offering refinancing services. 

I was specifically told that refinance was an option. I had expectations that Wells Fargo was a good bank to finance with and would offer better financial advice.

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