vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
consumer financial helped me two months ago and removed a old debt and a collection agency off my credit i made the complaint and the collection company removed them self off the report since XX/XX/XXXX anothe collection company pheonix financial solutions bought the debt and reported it new on my credit report when original bill was XX/XX/XXXX. the statue of limitations ran out XX/XX/XXXX. I would like this removed since the prior collection agency debt recovery services, did not have the discovery or validation of the debt i'm pretty sure that this pheonix doesnt have any paper work either since they bought a 6 year old debt that wasn't even valid from XXXX. Can you please help me and het this debt removed off my credit report its illegal what Pheonix is doing they know its a 6 year old debt and they are reporting it as new its lowered my score i have r1 credit please help you were so helpful last time, Thank you for your time, Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
ON THE XX/XX/2020 I RECEIVED A TEXT FORM A COMPANY USING " XXXX  NAME THEY LOOKING FOR PEOPLE TO HOLD A XXXX  SIGN IN MY CAR I ACCEPTED THE TEXT FOLLOW UP WITH MONDAY THE XX/XX/XXXX I RECEIVED AND EMAIL(XXXX)  REGARDING THE SAME PERSON I GOING TO GET A CHECK FOR $XXXX AND THEN SAY THAT I WILL KEEP $XXXX   MY WEEKLY PAY AND THE REST GOING TO AN INSTALLATION GUY BY BITCOIN I DEPOSED THE CHECK ON WEDNESDAY XX/XX/2020- AND WITHDRAWAL $XXXX ON FRIDAY TO SEND FOR THE INSTALLER ON SATURDAY XX/XX/2020 I NEVER KNEW ITS WAS FRAUD UNTIL THIS MORNING THE BLOCK MY ACCOUNT AND ALL MONEY WAS FRAUD I NEED MY BANK TO OPEN MY ACCOUNT FOR ME AND HELP ME PAY THE FEE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: SC

Complaint narrative:
XXXX XXXX submitted an update to remove the negative reporting for XXXX and XXXX from my credit report with Experian. This isnt showing with the other credit bureaus. Its still hasnt been changed. I also submitted letters from XXXX XXXX through an online investigation 3 times but my report is coming back that no change has been made. This is impacting me getting finance for an home equity loan. I have called once a week over the last three weeks and they stated that have not received my documentation that I uploaded online. I have an consumer account with Experian.

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: MI

Complaint narrative:
I refinanced my loan with New American. They were my prior lender. My loan was to close in XXXX but they made a few mistakes and had to redo the papers. It was agreed it was not an error on my end as I signed the documents their agent brought to my home days early. 

I was not to pay PMI for the months of XXXX and XXXX but I recently received my statement and despite being told I would not be charged, I was. 

I have been charged XXXX for XXXX and XXXX respectively and I am requesting a refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
My wife and I have made attempts to contact the lender, First Investors Servicing Corporation, and when we have called, we have been left on hold for nearly 45 minutes and hung up on. We have also responded via email as we understood they may be bogged down from common concerns regarding Covid-19. The following is recorded from my telephone call log and the result of the incoming call from the lender First Investors. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX answered phone call and spoke to gentleman and stated that we would be contacting the lender back. Gentleman acknowledged. 
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( Voicemail left ) XX/XX/2020 - XXXX ( Voicemail left XXXX XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - My wife contacted First Investors only to wait an extended period of time and get hung up on. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XXXX Email sent from my wife to First Investors that yielded no response.

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 2020-05-27 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX XXXX/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 2020-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX 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 2020-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX  XXXX XXXX  my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
From the first date, I have always included a partial pre-payment of my principle. When the COVID-19 Pandemic shut down XXXX Florida, I called Select Portfolio Servicing and asked them two questions ; 1 )  would they lower the variable interest rate, which they increased last year, 2 ) what options do I have if I have a problem making the payments Today, I received my statement. The pre-payment of {$270.00} was unapplied, even though the mortgage coupon was clearly marked for partial pre-payment. Rather than following their customer 's wishes, they continue to charge interest charges for the {$270.00} ( and future ) pre-payments. 
At XXXX XXXX, I called, I was informed that I was enrolled in their " forbearance '' program and they told me that I could not withdraw from it. This is Forced Compliance of a Condition that was never agreed to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via XXXX XXXX. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues XXXX XXXX repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because XXXX XXXX is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to XXXX XXXX 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by XXXX XXXX. 

While this issue was going on with the insurance company at the time I also communicated with XXXX XXXX once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then XXXX XXXX should be responsible enough to understand and remove this fraudulent debt from my credit report. XXXX XXXX received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies XXXX XXXX presumes to fabricate. XXXX XXXX received a payment. End of debt that is originally not a debt. 

XXXX XXXX will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover closed my good standing credit card account that was opened back in 2000 without my knowledge and for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I lost my EPPICard where I receive my child support payments, I've been trying to call costumer service for multiple times for the past 2 weeks nobody answers, I get put in hold by an automated answering machine and after waiting for 15 to 30 min it hangs out. I tried contacting the Child support agency a couple of times but they tell me that there's nothing they can do, they tell me to call costumer service. I'm currently depending on the money I have in the card, for food and bills. I haven't been successful in contacting or getting information about the issuer 's of the master card that I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2020, I tried to open a Marcus savings account with Goldman Sachs. I filled out and submitted the application online. Immediately after submitting the application, the website told me that my account had been locked. The page provided a phone number, XXXX, and I was instructed to call to unlock the account. I called the number and was asked to provide all of the information I had just entered online. After confirming that I was the person who made the account, they told me they could not open an account for me because they could not verify my identity. They refused to explain why or how they made their decision. I asked if I could reapply and they said I would be refused again. I checked my credit report on XXXX, XXXX, and XXXX, as well as my consumer report on XXXX and XXXX XXXX, and there was not a single negative entry on any of them. I want to know why and how Goldman Sachs made the decision to not give me an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity - BJ Perks Mastercard automatically charged me the membership renewal and sent me the bill, which I received on XX/XX/20. I called the bank on the same day, explaining that I did not renew BJ membership. The bank representative said I have to speak to BJ customer service and forwarded the phone over to BJ. BJ customer service confirmed that they will send the credit back to Comenity bank ( ticket number XXXX on XX/XX/20. ) BJ customer service also said she will email me ( XXXX ) confirming my account is clear, but I never received any email. BJ also said the refund will take place in 6 days ; so it would have been XX/XX/XXXX. On XX/XX/XXXX I received the 2nd bill from Comenity bank with the original charge plus {$2.00} fee charge. I called Comenity bank the 2nd time, explaining the the whole problem and asked the bank customer service to clear all the balances then close my account. The bank confirmed that the balance was XXXX and closed my account. 

On XX/XX/XXXX I received the 3rd bill from Comenity bank with the balance representing only fees of {$30.00}. I called the bank, spoke to XXXX ( or XXXX ), then XXXX and XXXX. XXXX wasn't able to resolve it because of his authority, which is understandable. XXXX said I have to pay the fees, even though he knows it's not my fault. XXXX finally was able to resolve it by reopen the account and credit back all the charges. XXXX confirmed with me that the account bears XXXX   balance as we spoke. I appreciate XXXX efforts cleaning the mess BJ and Comenity bank created. I want to make sure I won't receive the 4th bill from Comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.

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 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX 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