vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have contacted Pentagon Federal Credit Union three times to get the claim initiated on my vehicle loans that have protection for debt repayment in the event of illness or injury. When I contacted Pentagon they advised that I will have it provided to me within two business days from a company named XXXX. 

As of XX/XX/2020 I have not received the forms to complete and the claim number. This is required in order to initiate the claim. The company has collected on the injury accident plan from the day I received the loan. 

I am now in urgent need to get this started as this bill should be paid for by the insurance I took out in the event of need. I'm in that position and can get the supporting documentation to the credit union or XXXX  however they prefer to proceed.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquires reporting on my report that should have been removed already but are still showing

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 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2020-07-28 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: NY

Complaint narrative:
as previously stated before I am a victim of identity theft, I did submit this complaint myself from my computer. I am not a lawyer or a credit fix it person

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 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
Unauthorized Charges dont agree or accept terms. Wrong Date should have been charged off. Account opened 2006 Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Base on the recent situation I cant pay the car loan but I would like to keep the car until I find the way to star payment it again so I trying to get financial to pay all my debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid for flood insurance with the XXXX XXXX for my loan property since XXXX. The renew policy period covers from XX/XX/XXXX to XX/XX/XXXX. However, Ive been charged {$50.00} per month from BoA for Flood insurance since XX/XX/XXXX. 

Early XXXX, XXXX - received a letter from BoA regarding missing documents of my flood insurance policy XX/XX/XXXX - I immediately visited the BoA in XXXX XXXX, CA. The account manager in BoA CONFIRMED they had received the proper proof of insurance, no action needed and no additional charges. 
XX/XX/XXXX - I contacted my loan manager XXXX XXXX. She looked into the case and told me Flood insurance is mandatory to be included in escrow now instead of paying on my own, theres a guideline change and lots of change with mortgages this year XX/XX/XXXX - I called the customer service for assistance. Customer service provided me with the same answer as the account manager in BoA XXXX XXXX office, the reason why I was charged additional insurance is because they didnt receive a valid proof of insurance, so I resubmitted my insurance form. 
XX/XX/XXXX - I called customer service and was asked to check with the insurance department. They advised once the insurance department receives the right proof of insurance, they will process the refund of prior charges accordingly. Then a BoA insurance agent provided more detailed advice on what was needed on the proof of insurance, and confirmed Customer Service will need to process the Escrow removal and refund.I resubmitted the insurance policy. 
XX/XX/XXXX - insurance department finally confirmed they received the correct document. Now, they advise me to move on to the next step - contacting customer service to remove the escrow and process refund. I called customer service and no one responded. 
XX/XX/XXXX - I called customer service and was told the XXXX was placed in my account and mandatory for additional charge. 

Could you please help me to get the refund of {$200.00} insurance charged by BoA Escrow. I am covered by the XXXX XXXX, and no need to pay double insurance. 

Your immediate attention is much appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-07-28 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX the account was never paid late. Always have been on automatic payment. Bank error. Reported and acknowledged several times, promissed to have it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Paid additional money through XX/XX/2019 to XX/XX/2019 to lower interest and payments on loan. Shellpoint Mortgage misappropriated funds, disbursed two surplus checks after XX/XX/2019 and XX/XX/2019, respectively, the second bounced, and now my escrow is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TX

Complaint narrative:
XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both TransUnion and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, My problem is with Paypal. I run a company here in XXXX and customers pay for products via Paypal. 

In XXXX I removed my old bank account so that I could replace it with a new bank account. 

Unfortunately, Paypal had locked all information changes which prevented me from changing anything on the account, including a new bank account. The old bank account wouldn't work either. 

Since then I have emailed them probably 30 times. Each time a robot comes back and says a typical we are sorry to hear your issue and tells me to try adding the bank account. Obviously this does not work. Eventually, it seems like a person comes to respond and says it is not possible to fix over the internet and you must contact Paypal by phone to fix the issue. But unfortunately, all phone lines are not working due to COVID. Perhaps wait a few days. Its been 7 months and have called all possible phone lines only to be hung up stating ... due to COVID 19 all phones are not available. 

My company is very reliant on these funds. Especially during our troubling times. Through this period of time, I have lost a lot of money due to the diminishing USD - NZD. 

I can not comprehend that they can get away with this. I have threatened court action and am now looking for a lawyer to contact them directly in the US. 

I just want my XXXX back so I can be done with this shoddy company. They have left their company to sail in the wind with major ramifications affecting their customers. 

I can not believe this company functioning as it is. 

What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TX

Complaint narrative:
XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX and Equifax, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Cornerstone Holdings, Inc.
State: TX

Complaint narrative:
Cornerstone Credit Services has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX  and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX loan XXXX. 

I'm writing today because the balance on my loan should be lower than what it currently is. 

On XXXX of 2018, I made 2 payments. One on the XXXX and one on the XXXX. 
The 2nd payment should have lowered the loan balance to {$220000.00} All subsequent payments should have been based on that new lower amount. 
Please reamortize the loan so the lower amount is reflected. 

You can not just lower the amount owed by {$2000.00} at this time. You have to reamortize it to be accurate. 
It is a lender error that the amount applied to the principal ( as shown below ) is the principal went down {$490.00} and also {$240.00} for the additional payment amount but it should have gone done {$2000.00}. 

I don't want to file a complaint but this is my 2nd request to address this. 
Thank you XXXX XXXX XXXX Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$900.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$230000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$480.00} {$910.00} {$340.00} {$0.00} {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: CA

Complaint narrative:
since late XX/XX/2020, i have been disputing this fraudulent account through XXXX, each time the result comes out as " verified as accurate ''. i asked them more than once through the last 6 months to provide me with the methods they are verifying this debt. each time i get the message to contact the creditor. after all attempts to call the creditors i was asked to provide them with documents such as copies of SSN, DL and so on. this issue had took me long time and too much energy and has hurt my credit score. i even provided them with a copy of FTC report which i upload here too. please resolve this problem and prevent such unprofessional creditors from playing with people 's lives. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with Capital One Bank Usa, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation