vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My payment due date is on the XXXX of each month. I made my XXXX payment on XX/XX/XXXX for the full amount {$360.00}. My statement indicates that although my payment was paid before the due date, that Ally Financial charged me a late fee of {$34.00}, and that NONE of my payment was applied to the principal, but instead the entire {$330.00} remainder of my payment amount was assessed to finance charges. 

In addition, Ally Financial offered a COVID-19 deferment, and accepted an agreement to allow my auto payments to be deferred for a period of 90 days. At the end of that period I resumed full, on time, actually early, payments only to have the payments during the deferred period reported to the major credit bureaus as late, thereby inaccurately & unfairly adversely affecting my credit worthiness during a time of economic disaster. 

These practices seem likened to the PREDATORY LENDING described online from a reported XXXX Justice Department and Consumer Financial Protection Bureau investigation into predatory lending practices affecting minorities. 

I have been a long time customer, have been paying of this {$14000.00} auto loan since XXXX, the balance does not seem to move despite a few late payments in earlier years, due to the 23.40 % interest rate, and I find this as well as the distribution of my most recent, and potentially other payments, both concerning and egregious.

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 2020-08-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I had a collection account with NCA I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
I had a collection account with XXXX I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CREDIT UNION. 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 XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have a loan with TSI/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Original Creditor : XXXX ), XXXX XXXX ( Original Creditor : 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 XXXX, XXXX XXXX, TSI/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), XXXX XXXX ( Original Creditor : XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit and seen that an account is on my credit so I did a dispute to all three credit agencies and two of them remove the item off after they did an investigation except 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 explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I am trying to link my XXXX app to my bank account and the bank won't allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ), XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : 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 XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, Equifax, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with International Paper Mill. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, Equifax, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of Equifax Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX  XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX   claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.Equifax has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the Equifax Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA

Complaint narrative:
My issue is with my current mortgage owner/servicer : Vanderbilt Mortgage and Finance , Inc XXXX XXXX  XXXX XXXX, TN XXXX I refinanced my mortgage in XX/XX/2020, which required an appraisal. The refinanced loan came with PMI since my LTV ratio was greater than 80 %. The appraised value for the home at refinancing was {$620000.00}. I recently paid down a substantial portion of my loan so that the current balance is below {$500000.00}, meaning my LTV ratio is now just below 80 %. Because my LTV dropped below 80 %, I requested via phone to have PMI removed from the loan. 

My loan is a conventional loan and my loan documents state that I am eligible to request PMI cancellation when " the principal balance reaches 80 % of the original value of the property '', with the original value being interpreted as the appraised value relied upon by the refinancing lender. 

The first representative I spoke with at Vanderbilt Mortgage told me I am not eligible for PMI Cancellation because my LTV ratio is not below 80 %. When I asked how they were calculating LTV ratios the representative said they take the ratio of the current loan balance to the balance of the loan at origination. Understanding this is computation of an LTV ratio is incorrect, I requested to speak with another representative. 

The second representative also assured me that I was not eligible for PMI cancellation, yet provided different reasoning. This representative informed me that I have a " special loan '' which requires PMI throughout the duration of the loan, meaning PMI will never be removed. I am assuming the representative was misinformed about differences between FHA and Conventional Loans. 

I have since sent a formal letter to the mortgage servicer, but have yet to hear back.

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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence resource manage {$370.00}. XXXX I had XXXX from XXXX XXXX  I had complaint about the constant over heating of the phone. I had ask better solution to this problem and I was given a replacement phone which did the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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: MI

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX The company above indicates that I have an account with them on my XXXX XXXX Report and I did not open this account .... I am from Michigan and would not or ever have been in Delaware to open this account.. It has harmed my credit score buy dropping several points. It has been reported to XXXX XXXX yet it is still on my credit score ... THIS IS NOT MY ACCOUNT and IDID NOT OPEN THIS ACCOUNT.. I have r=tried to contact Equifax to dispute this account and their web page will not allow me to complete the dispute form online ... ... Apparently Equifax is supplying the misinformation to XXXX XXXX that is affecting my credit score negatively ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
On XX/XX/XXXX my son XXXX XXXX XXXX. I took him to XXXX  XXXX XXXX located in XXXX Wyoming. He was seen there by doctors and received treatment. Some time in XXXX of XXXX, I received a bill from XXXX  XXXX XXXX. Since I was employed at work for XXXX  XXXX I took care of the bill. I provided XXXX  XXXX with both my sons insurance cards. My son had two insurance at time. He had XXXX and XXXX  XXXX. However in XXXX of XXXX, I then received a bill on a XXXX  XXXX XXXXletter head with its logo displayed and a contact number for Express recovery a debt collection agency. Very shocked and concerned, I called the number and spoke with a lady by the name of XXXX. I explain to her that I believe that someone made a mistake and that my son had insurances that covered the medical bills both XXXX and XXXX. I was put on hold while XXXX stated that she would look into things. After being placed on hold XXXX stated for me not to worry and that both insurance XXXX and XXXX was billed and that the problem was resolved. This month XX/XX/XXXX, I checked my credit report and came across two bills that were sent to my credit report back in XXXX. I then went to XXXX XXXXXXXX XXXX 's financial office and spoke with them regarding the matter. I was told that everything was paid off by both insurance companies and that I owed nothing. I then showed them that two bills were sent to collections and now on my credit report. I then learned that the physicians billed separately. They provided me with the physician office phone number and I called and was told that they have one bill for the date of service for XX/XX/XXXX. I was then told that they never billed XXXX. I told them I spoke with XXXX from express recovery and she told me that they did bill XXXX and XXXX. Again they confirmed that they only billed one insurance. I then contacted Express recovery and informed them of what I had learned and informed them that someone was not telling the truth and that the problem needed to be addressed. I then informed that if they could not fix the mistake and remove it from my credit report then I would be filing a complaint. 
In conclusion I am very upset over this and should not have had to suffer damages to my credit report because of incompetency and someone not doing their due diligence. I was deliberately lied to and false reported debts were placed on my credit report. This is not right at all. I strongly feel that whoever was responsible for sending the bills to be placed in collections should face stiff penalties for such misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This account is closed but still shown on my report. Credit acceptance {$15000.00}, 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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This is the fourth complaint about a mortgage on the same property, same loan amount. The loan has been satisfied. I had to file a complaint against XXXX, Seterus, Mr. Cooper and now Nationstar Mortgage who has reported inaccurate information as of XX/XX/2020 to the credit reporting bureaus which has caused the creditors to lower my credit status which causes many problems during our COVID-19 pandemic. 

I will attach the same documentation I used to get the above mentioned lenders to successfully remove the derogatory information from my credit file. When trying to contact Nationstar using the phone number on the credit report- XXXX, I get Mr. Cooper . I sent proof of satisfaction of payment to Nationstar to the addresses on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: DISCOVER BANK
State: KY

Complaint narrative:
I have charges on a discover card that I have disputed a couple times they are holding me responsible because XXXX gives them no response also someone setup a online account I want the information from me accout

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This home ( mortgage ) was sold on XX/XX/2020 but still shows as an active loan on credit score..even after filing a dispute

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION
State: NY

Complaint narrative:
When will Salie mar offer contactless technology their cards are not the updated only chip when other banks have them tap and go contactless feature especially with covid but they dont

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with XXXX XXXX XXXX  ; the amount owed was {$25000.00}. 

I tried several times to explain to Portfolio Recovery Associates the situation, but they continued to send me collection notices.

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 I placed a trade online while market was open and bought 50 shares of XXXX ( XXXX ) at {$24.00} a share with a {$2000.00} deposit.When I previewed the trade online the bid amount has a margin of $ XXXX.When I submitted the trade few minutes later it sold for {$24.00} leaving an available cash to withdraw of $ XXXX.I transferred the available cash back to my Bank Of America checking account and submitted the trade. 
On XX/XX/2020I received a email from Merrill to deposit more cash ( {$600.00} ) I suspected something was wrong after I placed the trade.I called Merrill and spoke to a representative who said I need to deposit {$590.00} cash for the trade.I told her I submitted the trade for $ XXXX/share and not $ XXXX/share.Also offered to have the stocks as collateral and have them net off the difference when XXXX stock price appreciate.XXXX stock plummeted that day to less than $ XXXX/share.She said someone else will call me.No one called me back on XX/XX/2020 
On XX/XX/2020 I received a call from another female representative ifrom Arizona.She threatened to sell XXXX stock if I don't make a deposit of {$590.00} to cover the trade. 
I told her that's unacceptable then XXXX stock lost value sold for under {$15.00} ( see attached documents ). 
OnXX/XX/2020 I called Merrill and spoke to a XXXX XXXX to see how I can resolve the issue.I suggested applying for margin and use the stock as collateral which I did after the call.At closing of trading on XX/XX/2020 43 units of my XXXX stock was sold by an insider for {$14.00} a share against my wish and lost {$1200.00} left me with 7 shares of XXXX stock.All this happen pending the margin application submitted same day. 
I'm requesting my total refund of amount invested ( {$1200.00} ) or 50 shares of XXXX stock originally bought.

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