vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: PNC Bank N.A.
State: IL

Complaint narrative:
PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

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 2021-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I have a student loan through AES, they reported late payments in XX/XX/2021 to all three credit bureaus. These late payments should not have been reported, as there was a freeze on interest and late payments reporting based on both Stimulus Packages that were passed by Congress and signed by the President.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
I sent a written dispute letter to the collection agency and never received a verification of debt. I heard nothing else until I saw the collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: IL

Complaint narrative:
XXXX XXXX  reported 30 day late payments to Transunion, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to XXXX to pay off the car when they said they would, or XXXX did not process it, until XX/XX/XXXX. XXXX did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the XXXX payment coupons, showing my due date was the XXXX of each month. By the way, XXXX demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask XXXX where I should send the invoice for their late payment fee.

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XX/XX/21 & again on XX/XX/21 Sunrise Credit Services contacted me and tried to extort money from me regarding a debit that IS NOT MINE! They said the debt is owed to XXXX XXXX XXXX at and address that I lived at for 4 months 21 YEARS AGO! 

I contacted XXXX XXXX XXXX and they compared my email address, social security number, drivers license, and phone number with this fraudulent account and CONFIRMED THAT THIS IS NOT MY DEBT! The XXXX XXXX XXXX rep also stated that " these collection agencies contact consumers in an attempt to intimidate them into paying debts they don't owe, she also said that these collection agencies don't investigate or confirm if debt is valid, they just XXXX part of the consumer 's name & choose ANYONE whose name is remotely similar and start harassing them, she also stated that this fraudulent debt will continue to be sold again and again to even more vicious collection agencies ''. 

I think this is wrong and unfair 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 2021-01-18 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford is reporting me late erroneously. I was never late with Ford Motor Credit. The lease began on XX/XX/2016, and I was marked late on XX/XX/2016 which was the first month that was due after the payment that was provided at the dealership Ford failed to send me the initial billing statement despite multiple phone calls to Ford to inform them that I have not received the bill. They informed me that the car is not yet visible in their system and assured me that the bill will be issued shortly. However, the initial bill was NOT issued, nor received, but yet I was marked late. Upon reaching out to Ford they informed me that the error will be corrected. It has been several years and the error is yet to be corrected. Please REMOVE THE XXXX day late on XX/XX/2016 As I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
on XX/XX/2020 I filed my first complaint against Synchrony Bank ( attachment below ). The result I was given is total XXXX. How can I be charge for merchandise I have never received. I have call time and time again went to the store in person several times and nothing. I have been lied over and over again. This only effected my credit not the bank or the store. This is dishonest in everyway trying to get money out me knowing that they did not delivered the product. The fact that Synchrony Bank has turn this over to collections and refuses to take it off my report I will sue if this is not fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 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: DISCOVER BANK
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, DISCOVER HOME LOANS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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:
I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX XXXX The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: FL

Complaint narrative:
I have been paying this loan for 9 months and still owe more than I borrowed which was only {$300.00}, this is outrageous. Also, I called to payoff the moan and the wouldnt take my final payment over the phone, only the interest payment and I told then I moved out of state. This is a horrible practice, are they trying to charge more money with this final payment process? They said I would have to go in for final payment or western union only and western union charges fees. I asked to speak with a district manager and one never called back and it's been weeks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX XXXX, I applied online for an Apple Card. The advertising said that the inquiry wouldn't affect my credit score, but accepting the offer would. 

On XXXX XXXX, I checked my XXXX XXXX account and XXXX  lowered my credit score by 5 points due to an inquiry by GS Bank. 

I did accept the offer. However, XXXX is lowering my credit score due to the inquiry, not due to opening the account. 

I contacted Apple Card customer service and they couldn't help. 

I have attached a copy of the advertising language and the XXXX  explanation of the credit score inquiry as being due to GS Bank Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial services has reported me 30 days delinquent for mutually agreed diffrentment of couple of payments, which I never used it. Also I have paid in loan fully on XX/XX/2020 and they reported delinquent in XXXX of XX/XX/2020, which caused me take hit 0.5 % on mortgage application with investment property, I was buying. I have tried to reach out to them serval times via phone on phone today and they are not picking up the phone. This has caused me compensatory losses of {$7200.00} on two loans. My credit score has went down by 70 points and 30 days delinquency has been add to my account, which was never ever delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Plain vanilla gift cards were purchased as gifts for family members. The cards were lost. I have provided all the information requested via numerous telephone calls and several emails without response from the company XXXX XXXX XXXX. Telephones calls ( XXXX ) are frequently mysteriously dropped and it seems that they have no desire to solve the problem of a lost card and prefer to not send replacement cards. After sending all these documents, I was met with silence. There was not email or call. I called to follow up today and they are still " reviewing ''. I am losing faith that they will ever replace these lost cards totaling {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX  Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX XXXX, 2019, XXXX XXXX Inquiry : XXXX  XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

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 2021-01-18 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: GA

Complaint narrative:
I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Started refinancing XX/XX/2020 finalized in XX/XX/2020, took 5 months terrible service by Loan Depot , very unclear through process, requested documents already sent, when asking for clarification received no response 3 times .Never even talked to my rep XXXX XXXX during process.Finally came time to sign with notary, took 4 times. ( notary did not receive documents, wasted 4 days, when contacting Loan Depot received no response ) It was over 4 months of missteps by them, isupplied everything asked for promptly.I was going to end process out of frustration but as they correctly informed me I'd have to start process with someone else all over.I just wanted to get over with! 
My reason for this letter however is because after loan went through I received a bill for {$1700.00} from my XXXX  XXXX XXXX insurance which was to be includes in my escrow account which affects my monthly payment. I sent them all documents including XXXX homeowners, XX/XX/XXXX homeowners and taxes. I was shocked to find out my monthly payment had not included this this {$140.00} more per month.I reached out promptly to Loan Depot 3 times with detailed emails ( they do not return calls ) I ended up paying {$1700.00} as would expire otherwise .I now have an extra {$140.00} a month for the life of this loan..I suggested they lower my rate in letter or some form of compensation for there unprofessional mistake .Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief