vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I did a mortgage refinance closing in XXXX of XXXX via XXXX XXXX XXXX. The mortgage was picked up by Mr. Cooper who now owns the note. The refinance was done to reduce the mortgage to 15 year fixed rate with the option to make bi-weekly payments. Since XXXX, I've been calling and working with Mr. Cooper in an attempt to utilize their bi-weekly auto-pay function as a means to lower my total cost/interest fees. 
I've made 12 calls to Mr. Cooper and have submitted the bi-weekly payment forms three times to their representatives. In each case, I have completely followed instructions in terms of meeting all of their requirements to setup the auto-pay feature. Twice they have stated that they lost or did not have the application and once they stated that the picture of a voided check did not fully show the account/routing number. These seem like excuses as the account number was only missing maybe a single number from the view of the image and it was fully documented in their application. Each time, I had to spend roughly 45 minutes on hold and in speaking with representative attempting identify and resolve the issue. Today ( XX/XX/XXXX ), I've now submitted the application for the 3rd time after the previous entry was lost. The level of incompetence here is immeasurable and all the while I'm paying more in interested than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: MD

Complaint narrative:
This complaint is regarding the title on a car purchased from Carmax in  XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Check my credit report and say a collection account placed on my credit from a Sequium Asset Solutions, saying I opened an account in XX/XX/2020 for the amount of {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The monthly payment was made, and the bank argued that was not paid and they charged late fees It was automatic payment from my bank and is schedule for the last or first day of the month XXXX payment was made on XX/XX/XXXX, XXXX payment was made on XX/XX/2020, and XXXX payment was made on XX/XX/XXXX, They argue that the payment for XXXX was not done. 
They have charged late fees for 4 months The payments has been done with out delay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: VA

Complaint narrative:
information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Investigation took more than 30 days
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I have requested several times from Avant Corp to remove the late payments that they are reporting on my 3 credit reports or provide me with a detailed account of where I had paid late. To date they have refused to do either. My requests for account validation are responded to with an email telling me that I need to provide them with a copy of my credit reports and other documentation for them to move forward. Per the FCRA I should not have to provide them anything, they need to provide me proof that they are reporting accurately. I have not paid this account late and want this removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been getting so many email alerts from the Experian credit company that I tried logging into my account on XXXX at about XXXX. When I did, the website showed me an incredibly long document that represented their new and improved contract for using their site. In it, it said if I would not comply with its terms, to call XXXX. That number goes to an automated system with very few options and none lead to a customer service representative. I tried every option, so I know. The one option for cancelling the service simply dumps me back into the beginning where it asks for my ss # and address. It happens every time -- I tried three times. There is no way to cancel my account, or to stop them from harassing me with emails. Can you 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 explanation
Consumer complaint received 2020-07-14 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: VA

Complaint narrative:
information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) 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 2020-07-14 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: CBC Companies, Inc.
State: VA

Complaint narrative:
information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I booked a car rental they XXXX in XX/XX/XXXX for a XX/XX/XXXX trip to Florida. The entire country shut down in XX/XX/XXXX due to national pandemic. XX/XX/XXXX I submitted a cancellation of trip and car rental. XXXX XXXX recievrd and said they would take care of it. After months of contact and no result I went to Chase Visa to discuss not receiving of credit for services. They said it is XXXX XXXX policy and XXXX XXXX XXXX not to refund. This is a national pandemic. I tried to get 50 % return of the XXXX in least or be able to use the reservation upon rebook in XX/XX/XXXX. They refused all options. It is a disgrace that the travel business will NOT take care of a customer and keep their money in a national SHUTDOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my 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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my 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 2020-07-14 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: CA

Complaint narrative:
In early XX/XX/2020, I noticed that XXXX, a solar company with which I have a Power Purchase Agreement to buy power from panels they own installed on my roof, began reporting my PPA as a loan to Equifax, with an opening balance of {$22000.00}. This is being reported as an installment loan on my Equifax credit report. No such loan exists. I pay XXXX purely for the amount of energy its panels produce. There is no loan document that exists to support that this is a loan. I did not borrow {$22000.00} from XXXX. 
I have to date filed FIVE disputes with Equifax attempting to get this information corrected, and thus far Equifax has taken the word of XXXX that in fact a loan of {$22000.00} does exist. Although I have no way of proving something DOESN'T exist, I have submitted to both XXXX and Equifax documents requesting that XXXX produce a signed loan document demonstrating the existence of such a loan. Thus far, Equifax is only taking the word of XXXX ( who is paying them for credit reporting ) and seemingly ignoring my contention that no such installment loan exists. 
The arrangement I have w XXXX is such that I buy POWER at a specific kWh rate. There is no opening principal from which this should be deducted. And this " loan, '' under the terms as presented by XXXX, can NEVER BE PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Specialized Loan Servicing has misapplied payments, payment amounts has an incorrect loan as well.

This started because my bank mistakenly cancelled my payment and so I received a late payment on my credit score. To resolve this I have called and messaged this company numerous times. 

I have overpaid most months, until this happened and was told that if I didn't have a late payment prior, it was usual to have the credit reporting favorably updated by different reps. No one was willing or able to help me or explain the outcome. 

Because if this I did a complete audit of my entire payment history to find out that they literally misapplied my money or didn't show a payment at all which impacts my over all balance as well as impacts my credit rating. 

I was advised there is literally no escalation path or someone I can speak with that can help me resolve or receive help. I am told that there is NO, NONE, ZERO escalation service or managers and that all teams are completely separated and calls can not be escalated or transferred.

Main discrepancies : Show a payment of XXXX in XXXX. First payment wasn't due until XXXX. 
From XX/XX/XXXX- XX/XX/2018 my loan was sold 3 times SLS payment of XXXX on XXXX was not actually applied to my loan balance for XXXX and my overall balance and interest have been incorrect since then My late payment in XXXX, which is where I am requesting that I am provided assistance to correct my credit rating doesn't show my payment on XX/XX/XXXX and XX/XX/XXXX for both months My XXXX payment of XXXX was misapplied to Interest in the form of XXXX and a giant leap in Escrow My XXXX payment has the same issue.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX   XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX AR XXXX {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank will not allow me to link my plastic checking account with my XXXX account for investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Infiniti Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my Nissan Infiniti account would update on the XXXX of Every Month and it had stopped, I reached out to the Nissan Motors Acceptance Corporation ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Credit Acceptance is reporting fees as a late payment in error.

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MI

Complaint narrative:
I just received by email a copy of account summary from accounts Netspend decided to transfer to one account. 
Netspend refuses to allow me disputed unauthorized transactions on charges I just became aware. 
Netspend also refuses to provide a provisional credit within 10 business days of unauthorized transactions they did allow me to dispute on my current card. 
Netspend did credit my account for prior unauthorized charges but did not credit me their arbitrary and capricious transaction 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 2020-07-14 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: LA

Complaint narrative:
EXPERIAN WILL NOT BLOCK THE FOLLOWING FRAUD ACCOUNTS EVEN THOUGH THEY HAVE BEEN CONFIRMED TO BE FRAUD!!! THEY REFUSE TO FOLLOW THE FCRA. ALL THE REQUIRED DOCUMENTS HAVE BEEN SENT IN ON SEVERAL OCCUSSIONS PROVING THESE ACCOUNTS OR FRAUD!!! ALSO THEY KEEP SAYING THAT IM NOT THE ONE FILING THE CFPB COMPLAINTS!!! I AM 100 % THE PERSON FILING THIS COMPLAINT!! I KEEP GETTING BS GENERIC RESPONSES. EXPERAIN NEEDS TO BLOCK THE FOLLOWING ACCOUNTS AS THEY OR 100 % FRAUD.

1.XXXX XXXX/XXXX  2.XXXX XXXX XXXX  3.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