vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've called Transunion multiple times about Hard Inquiries that I did not authorize, that I want removed from my credit report. I've also sent letter via certified mail, and the inquiries are still on my report.

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 2018-12-19 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: National Credit Services, Inc.
State: PA

Complaint narrative:
The loan was put in default by error. We were contacted about payment and put the loan in forbearance due to a financial hardship. However, the people we were contacted by was not the actual loan servicer, but a scam company masking as our loan servicer.

Now the result has placed the loan in default, which should not be because the original loan payments should no t be due until completion of college. Also, a semester was just completed from XX/XX/2018-XX/XX/2018. The student is still actively attending school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
During the month of XXXX I was contacted by my mortgage company, Home Point Financial, stating that my payment was past due. I checked my bank account since I have it set up for automatic payments and noticed my account was actually debited. I called and the service representative said that my new payment amount was around {$3100.00} which was a {$900.00} increase from what I had been paying. I asked why and was then transferred to the insurance department only to find out that they had mistakenly applied Lender Placed Insurance to my account causing my escrow balance to be in the negative. After over an hour on the phone the insurance rep. said she will fix it and order a new escrow analysis. About 30 mins later I get a call from the mortgage company again stating my payment is past due ... obviously had no clue about the 1 hour conversation I just had. I proceeded to explain again, at which point she told me I should still make a {$950.00} payment until everything was cleared up to avoid any issues and they will refund me once that was done ... so I did. Fast forward a couple of weeks, my XXXX payment is kicked back when I call I have another new payment amount hence the automatic payment didn't go through and it was still for a different amount. I call get bounced back and forth, call 3 times, send internal messages and nothing. Now I've been charged a late payment fee of {$69.00} and the last representative, XXXX, told me to continue calling for status updates and when it is cleared the fee will be reversed. I asked to speak to a supervisor, he told me there were a call center and one was not available ... to which I responded " so you're basically telling me that due to a mistake the company made I can not submit my payment and my hands are tied because you don't have an escalation process '', he replied " yes, I'm sorry ma'am ''. Awesome customer service ... NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars

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 2018-12-19 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: R & R Collection Service, Inc.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account R & R COLLECTION SERVICE Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that R & R COLLECTION SERVICE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-19 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i made a purchase from XXXX on XX/XX/2018. the book i ordered from had a three or four month deferred payment. XXXX coustomer service person dropped the ball on entering the correct info, a couple of weeks later i had to give them the catalog number because the first representative did not do it correct.a payment should be for XX/XX/XXXX but they say i was 42 days pass due and another rep. said i was 12 days pass due but they reported me having a 30 day late on my credit report. that is incorrect and i am asking for that to remove from my credit report and to remove the late fee.

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 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Riverwalk Financial Corporation
State: MO

Complaint narrative:
This debt does not belong to me, it belongs to XXXX XXXX, a special friend of mines at that time. His address is XXXX XXXX XXXX ; XXXX XXXX, MO XXXX. Also, I was told by XXXX XXXX XXXX, if I help them get the car back from XXXX XXXX this item would not hit my credit as it should not have in the first place because it was not my bill any way. Please remove this creditor, it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Schwab staff ( XXXX XXXX ) told me I would be able to switch my accounts from my retail bank and my investment firm to Schwab and receive the same banking products at Schwab. I sent a detailed list of the accounts I needed to XXXX XXXX by e-mail and he verified that Schwab could facilitate that. After beginning the laborious process of transferring funds, I was informed that Schwab did not offer business or custodial checking accounts and, instead, brokerage accounts were opened for me by the automatic system, contrary to my wishes. Furthermore, checks were never provided, as promised, although I was told, at the time I requested my accounts to be closed, that they were on the way - some two weeks after initiating this process. Since then, money has been transferred by Schwab staff between my accounts, without my permission, by XXXX XXXX. An additional account has been opened without my permission, possibly by XXXX XXXX. Each Schwab staff member made different promises to me and each failed to deliver on these promises. Though promises were made to remedy these situations, by each of the aforementioned Schwab staffers, this did not occur. XXXX XXXX XXXX did not return phone calls. XXXX XXXX took no actions to help. XXXX XXXX seemed willing to help, but, at every step of the process, cited some reason that he was unable to remedy the situation. I have also reached out through the only avenue I could find contact info - XXXX - to XXXX XXXX, head of Investor Relations, but have not heard back yet ( less than one day has transpired. )

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 2018-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. 

Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? 

Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX  Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
I receives a discharge from XXXX XXXX of my debts in a chapter XXXX bankruptcy case in 2016. According to 11 U.S.C. 523 ( a ) A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt. Discover is continuing trying to collect by putting a lien on my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: WI

Complaint narrative:
I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

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 2018-12-19 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: WI

Complaint narrative:
I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: WI

Complaint narrative:
I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

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 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc.
State: NH

Complaint narrative:
My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Lincoln Financial Services
State: CA

Complaint narrative:
XXXX which was what they were trying to give me for my trade in and XXXX cash which wasn't authrozied to take and monthly payments of XXXX a month now they sold me a lemon car tryed to go talk to the company and the financed company to fix the problem they didn't care was very rude telling me they wasn't going to fix I couldn't get my mom back and so on but a really bad situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation