vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My husband and I signed a loan agreement on XX/XX/XXXX with American Credit Acceptance. We put a very large payment down, but obtained a high interest loan from them. We bought our vehicle from XXXX car sales in XXXX, CA and before we signed made sure we could make interest only payments on the vehicle. They are allowed in California I was told. Once the loan was set up, we immediately started making payments on this loan. On XX/XX/XXXX I reached out to them to inquire about the process of how to make a principal payment and was told they dont take principal payments. I informed them that in California they were obligated to take principal payments, it was written into our financial laws. I never heard anything back. In the mean time I continue to make payments to this account and im feeling like its not being distributed correctly. There is more being put towards principal, but the accrued interest never falls below XXXX. And each day it increases bye XXXX. On my customer portal it states that I don't need to make a payment until XX/XX/XXXX. Is this loan set up correctly? From my understanding the way the loan was supposed to be set up was that you paid everything that was currently due. That includes all your interest charges and fees, and everything else goes onto your principal payment. Even if they charged me 1 months bill in advance. Why isn't everything else after that principal? They also limited the amount of transactions i could do through XXXX. Only 5. If I could find another loan servicer I would, but my credit score is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have learned that Target is reporting to all three Credit Bureaus that I have been late for payments XXXX, XXXX, and XX/XX/XXXX. I contend that these reports are inaccurate, false and misleading. Therefore, I am submitting this complaint pursuant to FDCPA Section 807 ( 8 ). 

XX/XX/XXXX, I closed the Target account and initiated a " Temporary Special Payment Plan '' which did not include " late fees ''. See the Letter of Details from Target dated XX/XX/XXXX. I closed the Target account due to accumulation of financial hardships and continued late fees added even when I made payments. Target continue to report to all three credit bureaus that I have been late on payment for XXXX, XXXX, and XX/XX/XXXX! See the payments made attached. I state not only did I pay for said months, but I have not been late with the payment agreement for the last 12 months! 
Target reports are incorrect, false and misleading representation 15 USC 1692e, and in violation of Fair Credit Billing Act. In addition, Target reports are in wanton disregard of their own written " Temporary Special Payment Plan '' agreed upon with me as a customer/client. As a result of these false and misleading representation to all three Credit Bureaus, it impacts my credit life and prevents me from obtaining loans or credit lines that are in the best interest of my welfare and livelihood. 
I state that Target has a legal responsbility of furnishing information to consumer reporting agencies with : '' completeness '' or accuracy of any information furnished by Target. pursuant to U.S.C. sec. 1681s-2 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Upon running my credit on XX/XX/19 and issuing a mortgage commitment and several closing dates and changing my mortgagee on my insurance. As of XXXX, In the midst of a pandemic and financial uncertainty, Cross Country Mortgaged, misled, mistreated and blatantly lied to me on multiple occasions. It saddens me that cross country has operated in such a manner. It has caused me over {$14000.00} in Out of Pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have a lease with Hyundai Motor Finance. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home 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 2020-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
Can not use card at store ( says invalid transaction ), can not call auto phone number ( message says they can not access my account at this time ), i called customer service number and person on the phone says they can not access my account info and to call back at another time then said " to have a good night. '' I kept the person on the phone asking what was going on, he kept telling me the system was goung through an update, then changed to the techs were working on the problem. When i brought up that my fear is the system was hacked they hing up on me. Every time i call it sounds like the same person answers and he gives the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Experian 's WEB site ( XX/XX/2020 ), I could not add a fraud alert using my personal information. Tried several times and different days ... but it asked for data, which wasn't even on the form ( see next 6 items ) 1 ) Please correct your most recent previous address.

2 ) Previous city 1 is a required entry.

3 ) Previous ZIP Code 1 is a required entry.

4 ) Please correct your second most recent previous address.

5 ) Previous city 2 is a required entry.

6 ) Previous ZIP Code 2 is a required entry. ) Tried Experian 's main site, which apparently 'got ' me signed up for a 'free trial ' which I apparently can not cancel ( called XXXX which has a constant busy signal, over the course of 20 calls ) ... then Experian 's site tried to sell me on a $ 20+ per month product ... when all I wanted was to set up a free fraud alert.

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 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond. 
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time. 

The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I send money through money gram to XXXX the money was never received by the recipient and he contacted the customer service in XXXX they told him they dont have that transaction, I contact money gram they told me is going to take 90 days to investigate is more than 90 days I call them they told they is nothing they can do Date XX/XX/XXXX Time XXXX Ref:XXXX Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Due to children having to do virtual school I was unable to keep my full-time job therefore got behind in mortgage payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I have been dealing with a same collection from XXXX for a few years. I have spoke to them and they clear it because it doesnt exist. I am a current XXXX customer so I do not understand why this keeps happening. It keeps affecting my credit and it is a hassle. The balance that always reflects is {$150.00}. I am trying to resolve this issue once and for all as I am trying to purchase a home and I do not want this to reflect negatively on me. The collection company is Enhanced Recovery Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: FL

Complaint narrative:
I have a lease with XXXX XXXX XXXX. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home 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 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage was sold by XXXX XXXX company to Shellpoint mortgage services. I enrolled in automatic payment when this happened starting XXXX this year. Shellpoint has pulled funds from my account every month since XXXX, but has not applied the payment to my mortgage. It is going into an account called " unapplied ''. The company has not rectified the matter have many repeated attempts and now I am getting threatening mail to foreclose. They have all my funds, but have not made an attempt to correct this incorrect application of the funds.

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 2020-10-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have sent this request for disputing to XXXX and XXXX, no response Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This account does not belong to me. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

I am a victim of Identity Theft, this account is Fraud.

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 2020-10-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-03 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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