vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I took out a loan for a used vehicle from Mariner Finance. The company worked with me until the vehicle got to a point that it always had something wrong with it. At that time ( about XX/XX/2017 ) I told the company I was going to have to buy another vehicle and I would not be able to pay a big payment or be able to fix the vehicle. They would'nt lower the payment enough for me to afford. I then told them that I can't pay. They then started calling and calling, I told them the same thing over and over again. They finally stopped calling. While checking my credit report, I noticed they had sold the loan to another lender. I never got any notification of that. I called Mariner finance and they told me who they sold it to ( I don't remember the name of the company ) but I called that company and they told me they had sold the loan to another company, so I called that company and they said they sold the loan as well. I never got notification from anyone, not Mariner Finance, or the other 3 companies who bought the loan. I did get a phone call early last year from someone telling me that I owed them for the vehicle, but I told them not to call me anymore and that I was not paying because they are not holding the lien on the vehicle. Mariner Finance is still holding the lien on the vehicle. I'm not sure who to pay for the remainder of what I owe on the vehicle and I am not sure who should be holding the lien. I am not paying someone and then not getting a lien release from someone else. This is a very confusing situation. I know I have rights and I am sure that someone should have let me know what was going on with the vehicle.

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 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was the victim of an employment scam. I was working as a personal assistant where bad checks were given to me to run errands. I was unaware these checks were fraudulent as they were from a major banking institution. Two months go by and the bank, without notice, determines the checks are fraudulent. When I saw my account I called the bank immediately, went to my local branch, and my police department. I have everything to prove I DO NOT have this money. Receipts, texts, emails, etc.

The bank, Citizens Bank, charged off and closed my account on XX/XX/XXXX. In error my tax refund was sent to that account on XX/XX/XXXX and the bank reopens my account and proceeds with collection and seizes my tax refund on XX/XX/XXXX. Theyre collection practice is illegal!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Comerica
State: TX

Complaint narrative:
XX/XX/2019 COMERICA BANK, REPORTED ACCOUNT ABUSE on XXXX. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
When I terminated my service with XXXX XXXX XXXX XXXX in late 2019, I was told that the final bill would be XXXX XXXX and XXXX something dollars for early disconnect and the rep was going to notate the account that I would be disputing the amount because I was mislead at the beginning of the contract. I called prior to the beginning of the next months service as well, so there should have been no additional monthly service fees. When I called back to provide my mailing address and request a box to return their equipment ( I advised her service was for a second home with no mailbox ), she said it was not necessary and to just drop the equipment off at a local XXXX XXXX location. My neighbor of the location I had the service at called me and said there was a return box from XXXX XXXX XXXX XXXX on my porch. Of course this is after I had already explained we did not live there or have a mailbox. I have received no communication since then. I have another account with XXXX XXXX XXXX for our primary residence, so they have my mailing address. I have received no collection letter nor was I given an opportunity to dispute the debt at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: TX

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 XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}

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 2020-05-07 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: TX

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 XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}

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 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent 5 letters to TransUnion requesting to remove the security freeze from my credit report. I called on XX/XX/2020 and spoke to 2 different representatives who tried to remove the security freeze and they both said i had to speak to another department. I was on hold for 3 hours and 10 minutes and then TransUnion gave a message saying my call couldn't be answered and the call disconnected.

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 2020-05-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a Experian Credit Report dated XX/XX/XXXX with a report number ( XXXX ). On this report it's reporting that XXXX XXXX XXXX XXXX accounts will be removed XX/XX/XXXX. I recently received another Experian Credit Report showing that these accounts will be removed XX/XX/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 2020-05-07 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
There are several inquiries on my credit report from different companies. XXXX  XXXX XXXX especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XX/XX/XXXX/ XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for ally financial as well. this is absurd.

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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal froze my account after I transferred money into the PayPal account. PayPal gave no warning and is not responding to messages while making extremely difficult to contact them to free up the funds. They are claiming my account is linked to another but that other account doesnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Below is the letter sent to EQUIFAX begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/EQUIFAX refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because EQUIFAX will not allow me to access my credit file, I have provided all identification information online and over the phone and EQUIFAX claim you can not verify my identity. In addition, Equifax has caused XXXX to close my account because Equifax stated they could not verify my identification provided through the requested form 4506-T XXXX submitted. 

I called and spoke to an Equifax representative on XX/XX/2020 regarding this issue and was told that EQUIFAX doesnt have enough information to verify my identification. This I dont understand knowing that EQUIFAX is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but EQUIFAX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now XXXX closing my account due to EQUIFAX neglect. 

Attached is a copy of my Drivers License and Social Security Card, as requested. I need access to my EQUIFAX account and I need EQUIFAX to provide the requested information that XXXX asked for so that maybe they will reconsider re-opening my account. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This complaint is closely related to the previous under # XXXX in which Citizens Bank provided fraudulent response. Therefore, in this complaint there are two issues : 1 ) " floating '' interest rate on our credit line secured by our residence is closely related to the Federal Reserve interest rates. Federal Reserve currently reduced interest rate to '0 ' but Citizen 's bank did not reduce its interest rate on our credit line at all, not even for a quarter of percent. Their claim that " new rate of 2.5 % will begin after the XX/XX/2020 was a fraud. The rate is still 4 %. 2 ) Citizen 's bank failed to explain the reason of why the interest for XXXX was {$130.00} and interest for the following month increased to {$140.00} although {$1300.00} was paid towards the principal. No any computation to justify that interest was provided! CFPB should not accept fraudulent responses by the bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Yesterday ( XXXX XX/XX/2020 ) I reported to CFPB that XXXX XXXX and XXXX XXXX XXXX are attempting to collect on a {$1000.00} account that is not mine. Today I noticed that XXXX/XXXX XXXX/XXXX  have transferred the account to Enhanced Recovery Company in the sum of {$1000.00} earlier this year. I have not opened accounts with any of these companies voluntarily. I reported this to XXXX  ( the only credit reporting agency showing this collections account ) using their Online Dispute Service on XXXX XX/XX/2020 but I expect no favorable resolution because they sided with XXXX before. I should also note that I have never received an account statement from XXXX, XXXX, or ERC. This is a continuation of my CFPB complaints XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: PR

Complaint narrative:
In XX/XX/XXXX I disputed online with Transunion an erroneous account XXXX/XXXX on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is mine.

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 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Someone from RENT RECOVERY SOLUTIONS contact me in regards to a account that I dont know for some past due payments that I dont know about to which how they have put a derogatory mark on my credit report with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know Navient call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after Navient, the collection agency began to call my job and talk to everyone about the debt. Navient only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet Navient continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
The images I will upload to this complaint are dated, top left corner of my phone screen I have a permanent date bar, which I set to be always on for the purpose of taking screenshots of my bank account with the date in the shot. Images will show exactly the scam I'm about to explain XXXX XXXX personal checking- no pending transactions XXXX XXXX personal checking- no pending transactions, but a processed transaction pre-dated for XX/XX/XXXX. This transaction momentarily took my account negative, however I immediately transferred money from my business account to cover the negative amount. 
XXXX XXXX even though I added more than enough money to cover the pre-dated transaction, M & T bank still charged my an overdraft fee They do this ALL THE TIME. Transactions are listed nowhere, not even pending, then a day later they show up pre-dated for days before. The only reason to do this is to manipulate the transactions to STEAL an overdraft fee. 
This is 1 instance. I have ATM receipts and pictures of my account that prove this is a regular habit for M & T bank.

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 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
I made a my XXXX payment to LoanMe on XX/XX/XXXX. The due date was XX/XX/XXXX. I have a confirmation of payment received. LoanMe has contacted me every day since XX/XX/XXXX multiple times a day to collect the payment. I have explained to multiple employees that the payment was already made and confirmed and I still continue to receive calls from them trying to collect the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I received my Mortgage XXXX dated XX/XX/2020 which stated my payment due for XX/XX/2020 was {$1000.00}. This was not the same as my normal mortgage payment is {$1800.00}. Because this was different, I contacted Shell point Mortgage Servicing to verify the total payment due so I didn't make a mistake. After two phone calls, I was advised there was {$810.00} on my account that they couldn't identify but it was the difference between my normal payment of {$1800.00} and the amount due on the statement of {$1000.00}. I made that payment. The XXXX statement then showed a late fee of {$26.00} and that the {$1000.00} was on hold as it was listed as a partial payment and I was now late for the balance. I called on XX/XX/XXXX and was told they found the issue and was escalating the case. I then called again on XX/XX/2020 as it was still not cleared up. That agent told me she found everything and re-escalated that case and attached my mortgage statement. Today, XX/XX/2020, it was still not cleared up so I called again and was told that they made the error but they would not credit that amount until I paid the remaining amount and they would not be able to do anything about the late reporting. I followed their instructions and their printed statements. This is their error but I am going to take the serious credit hit on this. I am also currently XXXX overseas making it very difficult to deal with this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation