vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: CO

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX CARD SERV – partial account number XXXX.  (Please see page 3 of the attached credit report.)  I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account.  In addition, this card belonged to my mother who has since passed away.  They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report.  I have contacted the bureau to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I made a verbal agreement with Nissan of XXXX XXXX finance officer XXXX XXXX for an out the door price of a little under {$27000.00} for a XXXX XXXX vin # XXXX. While signing papers After XXXX XXXX  XXXX asked me questions and complimented my appearance and job as a XXXX  XXXX XXXX profusely. When we got to the purchase agreement I pointed to the bottom number of {$27000.00} as said that it was more than our agreed upon price. He said it was because I was paying what was owed on the lease. I signed the paper thinking that was my purchase price. When I got home I was looking over the paper as saw that he lied. The amount mentioned was my loan agreement not the purchase price. My down payment had been added to the verbally agreed upon price and that was the sale price. I arrived at Nissan of XXXX XXXX at opening but was told I had no recourse but to speak with XXXX XXXX I waited over an hour to find out he was not due in till XXXX and his manager XXXX XXXX at XXXX. I will return at that time. XXXX was unethical by distracting me while and lying to me. I made it clear multiple times that the agreed upon purchase price was the out the door price of about {$27000.00}. XXXX lied to me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX Penny Mac Holdings, LLC, And PennyMac loan services transferred my loan to XXXX XXXX XXXX WITHOUT LEGAL STANDING, BECAUSE ONXX/XX/XXXX, the Judge For the Ninth Judicial Court DENIED A ORDER SUBSTITUTING PARTY PLAINTIFF, AND THE COURT HAVING REVIEWED THE FILE AND BEING OTHERWISE DULY ADVISED IT IS THEREUPON, ORDERED AND ADJUDGED : THE PLAINTIFFS MOTION TO SUBSTITUTE PARTY PLAINTIFF IS HEREBY DENIED ( SEE ATTACHMENT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I stayed with the federal limits of withdrawals I was never issued a warning that I would be fined.

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 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNS & Associates LLC
State: MA

Complaint narrative:
I spoke with a person at the return number left. He said he was calling from MNS to perform asset confirmation for a XXXX XXXX. I do not know anyone by that name and he does not reside at my residence. I told him several times and then said that he needed to remove me from his list and I would file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian credit score is 60-85 points lower than XXXX and XXXX. How is this even possible? When i called them to discuss my concern they stated that i needed to file a claim. How can i possibly file a claim against them? they reporting that my credit score is 670 approximately when the other two credit bureaus is displaying approx 750. 

I need a logical explanation to how such a difference is even legal or possible. I have matched all three bureaus i dont see a significant difference in they way they are reporting.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Lending and Real Estate
State: CA

Complaint narrative:
I started through one of their loan officers to apply for a refi my primary residence in XX/XX/2019 They gave me an estimate of 2 months to close I have been sending and resending docs requested since XXXX and I havent heard from them since XXXX. 
I dont know if there are any possible docs they didnt ask for I worked with them 2 years ago on a purshase and they closed in 4 months.! 
Had I not known the seller I would have lost my deposit and lost teh. Deal This time I was promised that this will never happen again It was refi to cash out and I needed the money so I had 2 sell other properties to cash out that I didnt want to sell So please be careful that their delay or not performing can have very serious consequences I am not sure if you call This negligence or incompetence but for sure I will never deal with them again

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Some months ago I filed a complaint regarding a wide range of material misrepresentations of fact by Synchrony Bank. Synchrony addressed one of the many parts of my complaint. I have tried to get Synchrony to respond to all the other aspects of my complaint. On approx. XX/XX/XXXX I spoke with Executive Response Team member XXXX XXXX ( XXXX ). She promised to fully investigate all parts of my complaint and provide me with a detailed written response to those parts of my complaint never addressed to date by Synchrony. When I did not hear from Ms. XXXX after about 30 days I called and left her two voice mail messages. Ms. XXXX has not responded to either voice mil message. 
Synchrony gave me wildly inaccurate and misleading information about my accounts with them. I can supply all the follow up documents CFPB may need regarding this matter. I think the CFPB must hold Synchrony accountable for the misleading information, the serious and material misrepresentations of fact and their failure to fully address all parts of my complaint. Thank you.

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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
XXXX Data Breach left me in financial Rouin. I can't apply for anything with out getting denied. This gross negligence of my consumer information has devastated my world and my finances. Even my Health.  I know have XXXX XXXX, XXXX, XXXX, and XXXX all due to XXXX Data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They have been calling for a different person with the same last name over and over and over. They do it about every 6 months or so for weeks at a time. I have asked them to stop multiple times. I have also told them if they actually had a caller instead of an auto dial they would hear the voicemail say who lives here and nobody by that name lives here. They called my cell phone a few times but luckily they stopped that. I get calls around XXXX, including weekends, which woke me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: AZ

Complaint narrative:
XXXX ; XXXX and Transunion are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 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: AZ

Complaint narrative:
XXXX ; Experian and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 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: FL

Complaint narrative:
XXXX, mortgage servicer for FNMA, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by FNMA to transfer all servicing to XXXX XXXX which is now my FNMA servicer.

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 2019-08-13 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: FL

Complaint narrative:
XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: FL

Complaint narrative:
XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Central Kentucky Management Services, Inc
State: KY

Complaint narrative:
Collection Agency collected on a bill that was not owed. Agency confiscated state tax refund in 2018 - that is first time I knew of ANY bill from hospital. I phoned collection agency and disputed the bill immediately. Asked for verification of the debt. Agency could not verify debt. Agency then levied bank account. With NO JUDGEMENT. I got Medicare involved and they contacted agency stating this debt is not owed. Agency admitted they made mistake but will not return my money. Agency is guilty of illegal billing, double billing, and theft of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX  Data Breach left me in financial Rouin and they won't do anything about and Transunion and XXXX are following suit with credit report being all 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 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
On XX/XX/2019 applied for a loan. After receiving the stipulations for the loan via email I sent a message stating I know longer wanted the loan approximately 1 hour after. I called them and sent multiple emails requesting not to put the loan in my account. Spoke with someone on the line they took all the information. On XX/XX/XXXX the loan was put in my account. OnXX/XX/XXXXI  have tried numerous times to send this money back. I had 24 hours to cancel loan the message came in at XXXX XXXX  XX/XX/XXXX I responded at XXXX XX/XX/XXXX I didn't want this loan and to cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX data breach left me in financial Ruin. And the information on my XXXX and Experian   reports or not accurate. This is a nightmare. I want my score and reports to be fixed.

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 2019-08-13 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: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to Specialized Loan Servicing ( SLS ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and SLS, even though we paid as agreed to new loan servicer SLS. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and SLS and have had no success in correcting this information. SLS has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.

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 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/2019 I called Brinks Prepaid card and advised that a merchant had drafted my account for {$210.00} and the rep stated no worries we can reverse this transaction and the manager has to do it since its such a large amount and the reverse of the transaction was successful the money was placed in my account. I went on to shop for my son school supplies my end of the day balance on XX/XX/2019 was {$100.00} well on Sunday XX/XX/2019 I went to the atm withdrew {$20.00} and went the grocery store and spent {$47.00} which left me with a balance of {$35.00}. I went to the gas station on Monday XX/XX/2019 and the sale was for {$13.00} it was declined well I immediately went to the car and called to check my balance which stated negative {$170.00}. I called Brinks and was advised the merchant was able to withdraw the money on Sunday XX/XX/2019 I was shocked I stated how when the money was not available and this is a prepaid company. The rep stated the merchant did a hard authorization meaning they requested money with no dollar amount on there and the transaction was able to go thru I was highly upset because I am like I called on Saturday morning why was none of this advised to me so I could cancel the card and get another card until I talked to the merchant. My issue with Brinks is that I don't work for your company and when an customer calls in and has an issue you should be able to let them know and I had been with this company for 4 years and even thru the investigation I requested a provisional credit until the investigation is over with however that was declined until two weeks later they said a possibility of update on that is XX/XX/XXXX I am like in the meantime this has affected me I have a child support check that goes on this account for {$160.00} Brinks will take all that until this matter is resolved I get paid every two weeks and my child support helps me on the weeks I dont get paid.

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