vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: Conn's, Inc.
State: TX

Complaint narrative:
I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I called MT BANK to discuss options of reducing my credit card debt or monthly payments on a balance that currently requires over {$300.00} of min payment per month, due to the COVID-19 situation in which I was left unemployed. I talked to somebody who just told me to go to a website and get the " help '' from there. I was previously on that website and the only options they have were for mortgages and car loans and the like, and nothing that could be of help in my case, there were hardly any options for credit card owners and the only thing available was if my account was in " bad standing '', to use a form to apply to get it back to good standing. At the present moment, I'have not missed a payment due but I will in the next weeks and my call to the bank was to inquire about the ways to prevent that, by arranging some sort of alternative payment so that I don't lose my " good standing '' status! I am currently under a 0 % promotion, which will automatically turn into default 25 % or something like that if I skip a payment and will automatically incur THOUSANDS OF DOLLARS OF FEES AND PENALTIES, which I am naturally trying to avoid!!! This was clearly explained to the representative, who replied " WE are a business and you can apply for hardship relief only AFTER your account IS PAST DUE '' .... Basically they told me that they WILL CHARGE ME EVERY FEE, INTEREST AND PENALTY THEY CAN, and then start looking into my application to see " if '' they can do anything about that!!!! 
After repeating to the representative that I do not want to end up in that " after the fact " situation, she just told me " have a nice day '' and hung up!!!!!!!!!! 

I can not imagine a more blatant, brutal and arrogant disregard of somebody's hardship situation and sincere attempt to keep " good standing '' status!!!!!!

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 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Specialty Northwest, Inc.
State: OR

Complaint narrative:
They have called my work before ( a government agency ) and I told them they absolutely can not call here. On top of calling me twice in a row on XX/XX/01 while I am at work, they then called my work, again. That is 3 times in one day and calling my work is unacceptable. The calls came from XXXX from a XXXX XXXX with Creditors specialty northwest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a vehicle loan through XXXX XXXX. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid XXXX XXXX in the amount of {$7900.00}, which shows cleared status. XXXX XXXX  informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. XXXX XXXX refuses to update my credit report and my online XXXX XXXX page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call XXXX XXXX four times to try and get this issue fixed and they would not do it. I filed a dispute with Experian. After there investigation, they in formed me that XXXX XXXX stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed ( true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.

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 2020-07-01 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: Colony Brands, Inc.
State: CA

Complaint narrative:
I called XXXX XXXX on XX/XX/20. I was transferred to the credit department and talked to XXXX. XXXX was super helpful and guaranteed me if I paid off the account, XXXX XXXX would delete the account from the credit reporting agencies. I did not have the money to pay off the account and said I would call back. On XX/XX/20 I called XXXX XXXX back. I talked to XXXX in collections. She confirmed If I paid off the full balance they would close out the account delete reporting. I paid the full balance of {$330.00} by debit card. On XX/XX/20 I called again as the reporting was not deleted from my credit reports. I was transferred to a supervisor who said they would not be deleting. If I had not been guaranteed that the reporting would be deleted from the credit bureaus I would not have paid the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC does not allow you to barely ever link your account with any third party, which is an extreme inconvenience. This needs to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have 3 issues with this servicing company ; 1-They are located in XXXX, Ill for payments to be sent.when the weather was so bad in XXXX & XXXX the postal service was not able to deliver the mail on time & they did not get my TIMELY PAYMENT until the XXXX of the month & I was charged a late fee- this happened once before & also with another company in XXXX- that I got corrected.I sent Fay Servicing a copy of my money order which WAS ALREADY PAID out to be on time & they still would not waive the {$6.00} late fee.I can not control the weather or the postal service & in this pandemic- I am current- even though the Governor from Florida is allowing tenants NOT TO BE EVICTED for the 5th month & I have 2 who owe for months & refuse to move.the fee should be waived.2-When this company took over the servicing of this loan- they were NEGLIGENT in not handling the escrow account & getting the payment to include the taxes & insurance & actually lowered the payment . I contacted them about this & they stated it was correct. Well it was NOT & then they raised my payment up to {$430.00} from {$200.00} causing me a financial HARDSHIP because they did not handle it correctly & there was a shortage.The normal payment was {$250.00} & never should have been lowered. i can barely survive & this has stressed me & puts me in jeopardy because of their mishandling of the acct.-they need to be accountable for the error.3-I only owe {$34000.00} on this loan & they have forced insurance for more that the loan amount- for {$44.00} of coverage & it is to be for the loan value ONLY- they have made another error & the insurance increased quite a bit & they are overcharging me & I want this corrected. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched # XXXX XX/XX/XXXX XXXX  Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY USAA should be illegal ) Kindly Note USAA SAVINGS BANK ( *Partial Acct # XXXX **DATE OPENED XX/XX/XXXX*** Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. USAA CHANGED NUMBERS. 5 years later ALL USAA MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH USAA OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to lust accounts on my credit teport which ate over 7 years old. Despite several attempts to dispute these items, they still leave rhem as tgey were.

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 2020-07-01 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: FL

Complaint narrative:
I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed immediately.

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 2020-07-01 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: FL

Complaint narrative:
I have disputed this account with both Equifax and XXXX / XXXX XXXX multiple times. I have requested proof of ownership but it has never been provided. I have been told by the original creditor that the account has already been closed and the collection should have been as well. They also said to request Proof of Ownership from the collection agency as they said they had none. To date, nothing has been provided. 
I have provided police reports and Affidavits of Non Ownership to both the collections agency and to Equifax but the account has not been removed. Attached to this dispute, please find a police report mentioning the original creditor XXXX XXXX and the most recent Affidavit of non ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through XXXX using my Citi Bank card in the Amount of {$750.00}. My trip was for XX/XX/XXXX-XX/XX/2020. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company Citi Bank and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for XXXX to respond. XXXX responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from Citi saying that my needed to reach out to XXXX because there is nothing they can do. I have since reached out to paypal who has sent be back to Citi to have them handle the claim and reach back out to them. I contacted Citi told them XXXX told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact XXXX. I have since reached out to XXXX who has now sent me back to Citi to have them help me because they are waiting on Citi to contact them with their decision that they XXXX will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. 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 monetary relief
Consumer complaint received 2020-07-01 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 recently looked at my credit report and found 1 fraudulent account. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PENNY MAC MORTGAGE, IS PUSHING FURTHER AND FURTHER, to scam me to a high rate, i have been trying to Refinance my loan to a lower interest rate and PENNY MAC IS PUTTING EXCUSES to closed the loan when all document were submitted 3 weeks and no futher document were request, and continue to push the loan futher to XX/XX/21, there scamming me to the higher rate and losing money that there scamming

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 recently looked at my credit report and found 1 fraudulent account. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 recently looked at my credit report and found 1 fraudulent account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Every year in XXXX or XXXX, my mortgage company, Mr. Cooper " reevaluates '' the amount of money that should be in the escrow account in order to cover the taxes and insurance. This has happened each year we have been affiliated with Mr. Cooper ( around 4 years ).  Unfortunately, each year they add in 2 months of " cushion '', which, in turn raises the mortgage payment by almost 10 % over the last year. Each time I have been able to call and state, that I do not want a cushion in my Escrow account and they have adjusted it accordingly, after much argument on their end, they eventually do it. 

When this came around this year, I waited until I had time to call ( because it is always a 30+ minute endeavor ), which was today, XX/XX/2020. When I spoke to the first person, she was a Loan Agent and  wanted to sell me on a refinance, which I don't need right now. Once I explained why I was calling and needed the Escrow account reduced from their " evaluation '', she said she would have to transfer me. Once was speaking to an Escrow agent, she informed me that she had no power to change the 2 month cushion in the escrow account. XXXX ( her name ), said that Mr. Cooper had just change their policy and that all customers now needed to keep that 2 month cushion in their accounts. I asked to speak to a supervisor immediately, since that is not acceptable for Mr. Cooper to keep my extra, not needed, money for a year and then " give '' it back to me next year. 

When I spoke to the Escrow supervisor, she checked if she could do anything and she said she was bound by the same policy ( of not changing anyone 's Escrow account cushion of 2 months ). 

We NEVER chose this mortgage company. Our VA loan was sold once we refinanced a few years ago. I have never liked that I have to call them to fight for my own money. I feel like those people who don't understand Escrow, may just continue to pay what their asked & not question, or even know to question that they are keeping extra money. 

Can you please help me in unmasking this unfair practice? 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation