vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
- I've been trying to close this loan for 3 months after I was pre-qualified and provided income payment stubs, statements of accounts and taxes forms. I work as both employee for a XXXX XXXX and also XXXX as XXXX in XXXX XXXX. 
- I formally applied on XX/XX/XXXX under PenFed ( Loan Number XXXX ) - PenFed asked me to provide proof of precedence of several deposits in my statement of account which I did ( all deposits were checks and one transfer between my accounts ). 
- Now PenFed is asking me to provide invoices for legal services I rendered related to checks deposits registered in my account. I can not provide details or copy of my invoices because I provided services as lawyer and that will violate attorney-client privilege ) - None of the deposits exceed {$7000.00} and I reported and paid taxes for my professional services rendered XXXX. 
- I believe PenFed is going beyond what is needed to evaluate my income and payment capacity

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called for an experienced report and they sent me and I noticed a number of things that wasnt correct on my report so I called the number that was provided to me on the letter when I called they had no information about me for example the account number thats provided on the top of the letter the representative wasnt able to find that when they searched it up. Also they told me my address wasnt on file which was weird because they just sent me my credit report. Then I was asked multiple questions that I had no clue about and when I didnt answer the questions to THEIR ability I was told they couldnt answer my questions because they were unable to verify my identity which was very frustrating for someone whos just trying to improve their credit and fix whats wrong.

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 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OK

Complaint narrative:
I have no idea what this debt is or whom is it with. I have tried to validate the debt and I still am not told whom the debt it with. The debt will be removed from me credit report. Then a month or two later it is placed on with a new starting date that starts the statute of limitations over ... .on a debt I know NOTHING of.

AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I have been working with Helvey and associates about a debt, I was never told the bill was in collections, I also had to pull my only credit to see this was an issue. Once i found out I owed money i paid it. I asked the company to please removed the debt they were very rude, they told me i should pay my bills on time. 

I have already paid this debt the company will not provide any information for me, such as a receipt or a deletion letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On or around XX/XX/20 for the second time since XX/XX/20, I've received notification from Nationwide Credit Inc in regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

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 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I get repeated phone calls at all hours of the day and night from Portfolio Recovery Associates, LLC. They call from all sorts of random numbers and have been doing so for over a year now. I do not owe any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
My eppicard had expired, so I ordered a new one which I received.I 've been trying to activate the card since XX/XX/XXXX, by calling every day ( several times a day ) I get put on hold for hours and then the line hangs up.When I finally get to speak to a human being, I then get transferred, and get put on hold for hours and then get hanged up again.My money has been put in hold, I can't use the card was told that I have to speak to the fraud department, but I never get transferred to them.I need my child support money and this company doesn't seem to care, they just keep holding my money.Please help they are alot of other families having the same issue with Eppicard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: OpenRoad Lending
State: CA

Complaint narrative:
Responded to flyer to refinance auto loan. Submitted info as requested. OpenRoad switched the interest rate from XXXX  to XXXX, in spite of the offer. Loan was approved and immediately sold to XXXX XXXX. A GAP policy was included which was never discussed, or agreed to. The GAP form is unsigned. Unable to get any response from OpenRoad, and XXXX says they can not help. I attempted to cancel the whole loan, but was unable to due to the fact they had paid previous lender already. I then began to get credit notices from several firms, indicating that OpenRoad has made hard credit inquiries without my permission. I have attempted to cancel the GAP policy, but no success. This company should be stopped from this bait and switch tactics and misleading advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TX

Complaint narrative:
I received a letter in the mail from Experian about my bankruptcy dispute. I requested an investigation on asking how they verify the bankruptcy on my credit profile. Experian updated my credit profile with " Outcome remains ''. They also stated that the received the information from XXXX XXXX which was frozen. This is a illegal and unacceptable. Attached is a copy of all documents listed in process with my dispute. Also the mail dispute date is in attachment in certified mail.

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 2020-09-09 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: NJ

Complaint narrative:
Sometime in the past 5 years we instituted a consumer statement on the Equifax website. The statement is now irrelevant and should be removed. We filed numerous disputes to have it removed but Equifax wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
The company I used to lease an apartment with, sent a security deposit refund check to my former roommate. The check was written to MYSELF AND HER. She cashed the check without my endorsement and refused to answer my calls and texts in order to give me my half of our security deposit refund from the landlord. The check was cashed around XX/XX/2020 at Chase Bank in the amount of {$700.00} by XXXX XXXX. 

I have more than a weeks time trying to get this resolved ; a lot of time has been spent communicating with XXXX ( the landlord ) and the police department trying to resolve this issue. There has not been any resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
COLLECTION COMPANY KEEPS CONTACTING ME TRYING TO COLLECT A DEBT I DO NOT OWE TO THEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 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: I.C. System, Inc.
State: OK

Complaint narrative:
IC Systems Inc is not a bill I have ever had or had. Nor has it been a bill I have had that was sold to someone. This Bill was not Validated in a timely manner when I disputed it last time. I have no idea who this bill is but it is not mine.

Now it has come up TWICE on my credit report, not once. and with different starting dates which changed the statute of limitations for them. Both illegal.

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

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 2020-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I keep receiving repeated calls to my cell phone and to my employer. I specifically asked them last week ( XX/XX/20 ) to stop calling me on my cell and employment and if they want to be in contact with me then to do it by email or USPS. 

Today XX/XX/20, same person called again today at my employment wanting to discuss the debt. I again told him to stop calling me and send everything by USPS, and I had to hang up on him ( XXXX  ). He keeps calling from 2 telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I requested a copy of my annual credit reports from all 3 credit agencies. Upon receipt of my credit reports I found numerous hits on my credit reports from credit karma. I have never used credit karma, I use the actual credit bureaus. I contacted credit karma and they found an account with my information that someone else was using to access my information unlawfully. I still do not know who did this, I have no IP address for these people to give to law enforcement. I was physically assulted, and I believe they located me by unlawfully accessing my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: AL

Complaint narrative:
This agency failed to provide me with how they verified these alleged debt when requested. 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Home Loans.

Escrow amount being collected is 77 % too high. {$780.00} vs. {$440.00} These are numbers calculated by the *mortgage lender themselves* in two different closing dis
closures. The higher amount on a closing document dated XX/XX/XXXX and sent before closing. The lower amount on a second closing document dated XX/XX/XXXX and sent AFTER closing. 

The mortgage lender noticed their error after closing occurred and sent me a 2nd " final '' closing disclosure after closing papers were complete. However, the mortgage is being serviced with the 1st final closing disclosure still. If they used their own 2nd closing disclosure, we'd be done here.

I have their document saying that they need to fix it, but not the fix from them. It is now 38 days on. They do not respond to my email or  phone calls anymore- they have not since XX/XX/XXXX. 



History On XX/XX/XXXX they sent a final closing document and instructed me to wire the amount in the document immediately to make sure it was there before closing. 

On XX/XX/XXXX, they wired an incorrect and insufficient amount to my closing. I was unable to close on the transaction. 

They gave an incorrect wire transfer tracking number while reporting to me and the title company verbally as well as in writing that the correct amount was sent. 

At XXXX XXXX EST on XX/XX/XXXX they sent this XXXX " final '' disclosure that still remains a problem On XX/XX/XXXX their error in sending a wrong closing amount was caught by the title agency. The mortgage lender indicated in writing that they have sent the remaining funds in the meantime. 

On XX/XX/XXXX, a manager got involved and reiterated in writing that they sent the remaining funds on the 3rd and provided a wire tracking number in the same email that began with the date of the 4th. Then proceeded to deny any errors were caused by them- while blaming it  all on others. They have gone silent since then refusing any further interaction including this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: IL

Complaint narrative:
I have reached out to XXXX  & Transunion over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! XXXX  and Transunion are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is XXXX   & Transunion verifying it as accurate??

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 2020-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Due to COVID-19 havent been able to pay or make arrangements or change payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
In XXXX of this year TCF closed its local branch in XXXX, AZ and transferred its busness to XXXX XXXX XXXX XXXX ( XXXX ). At that time I tried to move an IRA account from TCF in XXXX to XXXX but was one day late to do so. I called TCF and was told I needed to fill out an IRA Distribution Form. TCF said it would mail me the form. Two weeks later I received a Change of Address Form. I completed the form and mailed it to TCF after calling TCF again asking for the rollover form. Several days later I received and completed the form and mailed it to TCF. A few days later I recleived an emaill from TCF asking for my personal information which I sent to an email address requested by TCF. Several days passed. I called customer service several times and got no answer. Finally, on XX/XX/XXXX I sent a certified letter to TCF and noted that it was delivered. I finally reached customer service on XX/XX/XXXX. told them my problem and they took all my information and said they would get back to me that day. Today is XX/XX/XXXX, and I have not heard back. I don't believe that TCF intends to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have asked multiple times to remove an authorized user account you are reporting to the three bureaus. Each time you have granted my wish to have the account removed, how ever, as of this date, XX/XX/2020 it is still showing up on my credit reports. 

Please see that this gets remove asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX. The financing was done through Toyota Motor Credit Corporation. The original balance was {$28000.00}. ( 1 ) As an XXXX XXXX service member with the XXXX XXXX from XXXX to present, I have had two PCS moves since purchasing this vehicle. This includes an assignment in XXXX from XXXX to XXXX. ( 2 ) As a result of my XXXX beautiful children being born and PCS moves, my expenses were much higher than anticipated and I had trouble paying the car loan. We still have the vehicle in our possession. ( 3 ) Several months ago, my wife called Toyota and tried to re-establish a payment plan on this vehicle. The representative at Toyota said we could send a payment ( s ) but there is no guarantee that Toyota would accept the payment ( s ). ( 4 ) A few weeks ago, I met with military financial counselors who made me aware of a {$21.00} XXXX settlement on overcharges to certain minority buyers from XXXX to XXXX. I am a minority buyer and was never notified of this matter, although I was also stationed in XXXX during the deadline. I question whether I qualify for benefits from this settlement since I am a minority. ( 5 ) As of today, XXXX XXXX, XXXX, there is a {$9100.00} " charge-off '' reported with the credit reporting bureaus. ( 6 ) Today, our military financial counselor, and I called Toyota Motor Credit at XXXX and spoke with representative XXXX around XXXX XXXX  Central time. We asked about establishing a payment plan and she told us that she is not able to establish a payment plan as Toyota will be placing this account with a business partner. When I asked " who '' the business partner will be, she said it could be one of several. She said that " business partner '' will contact me for payment options and that it could take up to 30 days. ( 7 ) This is now the second time we have not been able to establish a payment plan. I'm concerned about my credit and reputation as I have not been able to establish a payment plan or reduced lump sum settlement.

Company response to consumer: Closed with explanation