vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
Mitchell Rubenstein & Associates , P.C . has had oversight of my debt to XXXX XXXX XXXX XXXX XXXX since XX/XX/2007. An agreement was made to pay {$200.00} every month until the debt is paid in full. Every month, I receive a letter informing me that the pre-authorized collection of {$200.00} for this debt will be drafted from my bank on the first of the month. I've made several calls to this firm over more than a year, to ask for my balance of this debt. As part of their communication, as a minimum, at the end of the year, I feel the Firm should send me the outstanding balance of my debt. At this point, I don't have any idea as to how much I owe XXXX. I would like for you to contact this Firm to have them send them the balance of my debt to dateI called the XXXX number and was given XXXX. I have yet to get the person assigned to this number, and the individual has never returned my call. My information for this firm is : XXXX XXXX, File No : XXXX, Acct no : XXXX. This is the only identification info that they send with my letter of notification for pre-authorized draft of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
In reviewing my credit report I found Americollect as a collector saying I owe {$240.00}. I sent a letter on XX/XX/19 asking for debt validation. The letter was returned, so I found the correct address of Americollect, XXXX XXXX XXXX XXXX, XXXX, WI XXXX and resent the letter. I did not receive any correspondence from them, however, my credit report was updated saying the account information disputed by consumer meets FCRA requirements. I then sent an Estoppel letter on XX/XX/19 again asking for debt validation. My attempt was ignored again prompting a third and final letter on XX/XX/19. Again no response. Americollect is deliberately and defiantly ignoring my request and they are now in violation of my rights as a consumer. I have absolutely nothing from them saying I owe Americollect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My  payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We pay XXXX monthly mortgage payment. We do NOT escrow. In XX/XX/XXXX Shellpoint Mortgage started to add on escrow amounts on our account? I contacted the company, and they were NOT helpful, but I eventually learned I needed to send proof of insurance with our mortgage payment. I did. Then the next month, more escrow charges until I finally got to a human who said I sent the wrong year? So, I sent XXXX. Next month same result, more erroneous escrow charges. In XXXX, I called again and got a woman on the insurance side of Shellpoint and asked her if I could send both XXXX electronically & she would stay on the line until receipt and confirm to me. She did, and said she would fix this. Next month bill even more screwed up. she did NOTHING. That was in XXXX!!! For the next 3 months countless calls with different Shellpoint customer service people and only in XXXX when I sent XXXX & XXXX payment did we finally ( Ibelieve ) sort this out & fixed this. I asked them to remove finance charge / late fee / penalty from our final invoice & they said we needed to send to Loan servicing dept. which we did. NOTHING! NO RESPONSE. And, now I see our credit score which is always perfect, has been tarnished by these unscrouplous Shellpoint people. They have all his in their phone records. Horrible service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in XXXX. In XXXX The  Company was transferred to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A collection from XXXX is on my report. I did not have an account with 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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA began blocking my calls demanding I verify text or email codes I am unable to do while on phone due to my Disabiliry USAA provides NO ACCESS ON LINE AND BLOCK CALLS REQUIRING my deformed painful hands retrieve codes I am unable to do A pin # used to get me access NOW CALLING I HAVE NO ACCESS ALSO I AM VICTIM OF IDENITY THEFT THIS IS RETALIATION because I used to have phone access When I try to resolve Fraud from XXXX they block me. NO ON LINE ACCESS NO PHONE ACCESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
A collection from XXXX is on my report. I did not have an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
I called riverbend on XX/XX/2020 to settle this account as paid in full since I paid the amount I borrowed plus extra. So far I have paid XXXX and there will be another payment coming out on XX/XX/2020 for XXXX. Which will make my total XXXX. I believe this is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/19, BBVA called and told me checking account XXXX was overdrawn. I told them that this was some mistake. The account had not been used since XX/XX/19. 

On the afternoon XX/XX/19, the account was frozen, debit card ending XXXX was reported stolen and dispute ticket XXXX was opened. On XX/XX/19, I received a letter dated XX/XX/19 stating my dispute had been closed and denied. 

The BBVA Card Fraud Group opened and closed this dispute the same day. The bank 's fraud department never contacted me about signing a fraud affidavit, copies of the police report or the identity theft report. Again BBVA has violated Regulation E. 

The bank also shows this dispute ticket is still in progress even though they closed the dispute investigation within a few hours the same day it was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in 2005. I have been advised that Ocwen has taken over some of their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that TransUnion showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and Second inquiry was made by XXXX on XX/XX/2019. 
I contacted TransUnion Three ( 3 ) times and asked them to take action to get these two ( 2 ) inquiries removed from TransUnion credit report however after send letters and speak with TransUnion customer representative these two ( 2 ) inaccurate inquiries are still in my TransUnion 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 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: MS

Complaint narrative:
A company called Advance Capital Solutions calls my cell number at least 3 times a day and leaves rude messages on my phone. The caller threatens to take action if I do not call them back by the end of the day. I have checked my credit report and I do not have any outstanding debts. Also, I have not received any written correspondence from this company. The message never discloses who or how much money I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My husband and I have been a Bank of America customer for 14 years. We have always made our credit card payments with them on time. In XXXX of XXXX they increased our balance from XXXX to XXXX. We have our credit card payment down to {$600.00} owed. We received a zero percent credit card transfer offer on this card this month good until XXXX XXXX with no interest until XX/XX/XXXX. We called to update our income and without our permission they ran a soft credit report. XXXX XXXX who is in their credit and underwriting department said due to our low payments they are lowering our credit line from {$8000.00} to {$800.00}. Im confused bc we have made way more then low payments. What about the false advertising that we had until XX/XX/XXXX to make this transfer. Not only did they falsely advertise they are now hurting our credit by decreasing our limit for no reason.

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 2020-01-13 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX HYUNDAI in  New Jersey and financed by Hyundai Financial. I am trying to transfer the vehicle out of New Jersey to PA and pay off the loan but it will void the warranty. I purchased the vehicle with my gf. For some reason I was left off the title. The warranty is only valid to the originally titled person. I have contacted the dealership and Hyundai financial and each keeps blaming each other for the mistake. I am primary on the loan.

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 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GCFS, INC.
State: CA

Complaint narrative:
I have was sued by a company representing XXXX. i have paid my debt to XXXX over ten years ago. i recieved a letter stating i own interest and penalties on an account i have paid in full. i received the lawsuit saying i was sued for something that was paid off over ten years ago. i sent them letters trying to clear up the matter but nothing has been returned to me besides additional court filings. please delete this nonsense off my record and my name since i dont know owe XXXX anything. i have not had a debt with them over 10yrs and more. i dont know who else to contact to clear this nonsense off my name the company representing XXXX is Greater CA Financial Services. after 10yrs GCFS legal department decided they want to scam me for money. please help clear this matter off my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
HIPAA violation : I did not give authorization, verbal or written to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that authorizes the release of my PHI to them. If an electronic transfer was conducted they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also a copy of their Business Associates Agreement ( BAA ) outlining their responsibilities to the covered entity pertaining to 45 CFR 164.504 ( e ) QUALITY ASSET RECOVERY needs to provide a full accounting of the amount alleged to be owed in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points which makes ALL correspondence evidentiary AND under the penalty of perjury. 
Alleged Account XXXX*****/ does not provide a full account # Amount alleged to be owed {$1700.00} Alleged Account XXXX****/does not provide a full account # Amount alleged to be owed {$1800.00}

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have attempted to contact diversified consultants in regards to verification of debt that state that I owe in the amount of XXXX for a XXXX  bill that was apparently open under my name XX/XX/2018. I have not received any bill or original documents stating that this account is mine after several requests. I have not owned a XXXX account and would like for this account investigated and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FACTUAL DATA CORP.
State: PA

Complaint narrative:
There a bunch of hard inquiries that shouldnt be on My credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: College Loan Corporation
State: FL

Complaint narrative:
In 2006 I took out a federal student loan in the sum of {$12000.00}. This loan was assigned to CLC and then XXXX. I fully and completely paid off this loan online. The assignee now falsely claims that I not only have not paid off that loan, but that I have two additional student loans which are being reported as delinquent, thereby adversely affecting my credit score.

Company response to consumer: Closed with explanation