vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have received several call from the credit acceptance company saying we understand that there is a covid 19 but you still owe money so how are you going to pay. I explained someone told me that the natural disaster would be applied but I still keep receiving harrassing phone calls, I am curious as to how they do not have a strategy to help me out considering all the people affected by covid 19. I do want to pay my vehicle but I am struggling getting a job and the safety concern and XXXX do not help all lives matter and this company is confusing me with their contracdicting statements first I was told my vehicle would not be repossed and now they are telling me, REGARDLESS of the situation I owe money and there is a possiblity. I need to know know what is happening so a attorney can help me out. This is by far the most contracdicting statement I have heard from the call center of credit acceptance that keeps calling me. Please help I am sure I am not the only individual that this company is doing this to. Also when I finance the car I had a credit score of XXXX, I checked all three and can not find a credit score of XXXX that this company keeps stating that is how they financed the vehilce at almost 30 percent finance charge. And have failed to provide the credit score that helped them with that decision.

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 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have noticed unauthorized inquiries on my Transunion credit report. 
I have mailed dispute letters twice with an Ftc report attached and called twice to no help on these unauthorized inquiries.

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 2020-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I mailed a letter of dispute to Experian Consumer Assistance Center in XXXX, Tx disputing items on my credit, after calling Experian to dispute inaccurate items on my credit file by phone and being told that I could not make a dispute by phone because my credit file is being handled by one person. I stated I wanted my file in the regular department as any other consumer calling in. I was told because I filed a complaint with the XXXX XXXX XXXX regarding Experian very poor service, my credit file is now being handled by only one specific person. And that if the one specific person is not available, then I can not dispute any inaccuracies on my credit report. This person name XXXX XXXX, calls by blocking his number, and leaves a message saying he is with Experian and when I call Experian again, this person is not available for me to dispute inaccuracies on my credit report. I never did receive any notification from Experian regarding the letter I mailed regarding disputes on my credit file. My rights according to the Fair Credit Reporting Act, is being violated. I have the right to be able to call in and speak to any representative in the dispute department at Experian and dispute inaccuracies on my credit report and Experian is refusing me this right. My Federal right is being violated.

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 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion continuously reporting a balance increase and reporting a incorrect balance of {$18000.00} for my XXXX XXXX XXXX XXXX each month. I disputed this twice with no update.

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 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
To Whom It May Concern I first contacted Lakeview Loan regarding an escrow refund to borrow for the amount of {$1800.00} on XX/XX/XXXX. I contacted the company at the beginning of XXXX and inquired about why I received the escrow refund. The main purpose of my call was regarding an insurance payment {$1000.00}. When I signed paperwork for my home I never consented to this company paying for my insurance. It was told to me during that call that this company paid my insurance. Because of this, my escrow account was in the negative - {$350.00}. The insurance rejected this payment from this company and the company paid it again. The dates they ran the payment to insurance was : XX/XX/XXXX {$1000.00} They paid insurance on this date XXXX $ XXXX insurance kicked back this payment XX/XX/XXXX {$1000.00} They paid this again I cashed my escrow refund due to the agent who I spoke to telling me that it was okay to do so. In XXXX I received a letter stating I needed to pay a shortage in my escrow account of {$1300.00}. and that my {$1600.00} a month payment would now be increased to {$1800.00} even if I payed the shortage amount. 
I contacted the company on XX/XX/XXXX XXXX and spoke to XXXX. He said the company made a mistake during the escrow analysis update and never should have sent out a refund check. He stated he was putting in a work order to have this fixed and that my payment should remain XXXX. He told me the company would contact me. 
After not hearing from them I contacted again XX/XX/XXXX and for two hours was sent to three different people XXXX, XXXX and finally a manager XXXX. They all reviewed file notes and agreed that this was an error on the company 's side. She told me that because the shortage was cause by the loan company paying the insurance. She verified that there was nothing stating in my mortgage file that they were suppose to do this. XXXX stated to contact customer service via email that day and ask that they remove any further home owner insurance payments and by Tues XX/XX/XXXX my payment should go back to XXXX and not be {$1800.00}. She stated I would also not be responsible for paying the {$1300.00} shortage. I emailed them exactly as she advised that day. I emailed a second email XX/XX/XXXX a week later and a third email XX/XX/XXXX. My payment has not changed and no one from the company has contacted me at all over the last month and a half regarding this issue. I asked XXXX if I should just make my normal monthly mortgage payment and she said no not until this is resolved. That there is a 10 day grace period. 
This company has been horrible to work with. The lack of communication and wait time is ridiculous. The fact that their employees have acknowledged company errors and no one will correct them in a timely manner is unacceptable.

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 2020-06-07 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: MI

Complaint narrative:
I am missing out on investments because of this problem I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: Army and Air Force Exchange Service
State: MD

Complaint narrative:
The Charge-off account with Military Star Shows that it is paid in full on my Account Statement. I spoke to someone from the department and they told me that they will remove the information from my report but have failed to do so.

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 2020-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
In XXXX of 2020 I called Fedloan servicing because I saw they had increased my principal balance by over {$4000.00} without telling me, warning me, or saying why. They also retroactively applied payments I had made months and years past towards this new amount as interest. I only figured it out on my own when comparing monthly statements they sent me. It WAS NOT interest capitalization they said when I reached out, but I knew that already because I had been making payments for years, and every month I paid extra and hit the interest accrued AND principal balance in my payment, and I was seeing both go down steadily. They, after several hours and several phone calls, could not tell me what it was from. They eventually said it COULD be from a previous loan that had gotten lost when transferred to fedloan from a previous servicer ... but Ive NEVER had a previous servicer besides fedloan for my federal loans. The last phone call I had with them in XXXX or so they said they would contact me when theyve finished their investigation but that still hasnt happened. If I hadnt of caught them doing this, they would have never even told me. This extra balance is still on my student loan, and one lady I spoke with at fedloan said she had seen something like this before on her end, but not only did she not have any answers for me, but she said the student whos account this was DIDNT EVEN KNOW IT WAS THERE. I dont mind paying something I owe, but to just increase my balance because of some error and then make me pay for it is insane. 
In the attachments youll notice that the billing statement total for principal balance, when added together, does NOT match what is listed on the second attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
A Method of Verification letter was mailed certified to Transunion XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Transunion on XX/XX/2020. They did not respond within the 15-day time limit. I mailed a 2nd certified letter to Transunion XX/XX/2020 requesting them to delete the inaccurate bankruptcy. On XX/XX/2020 I received a letter in the mail stating they are not removing the inaccurate bankruptcy and that they verified it as accurate. Transunion has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Ive had my account with MoneyLions bank for approximately a year and a half to two years and Since XXXX of this year I have been requesting to receive a debit card however they have advised me that they have sent two cards out already which I still have not received with that being said my tax return as well and my stimulus payment were both deposited into that account and the money was compromised so I filed a dispute at which they did provide a provisional credit within the 10 days which is what the law requires however they have blocked my account so I have no access to the funds even tho they sent an email Stating that the provisional credit Has been applied to the account and I have full access of the funds which is not the case so I called them spoke to multiple representatives and nobody was able to help me it is not legal or ethical to provide a provisional credit and then block the account you can not keep a consumer from their own rightfully earned money due to fraud They also said that the manufacture that produces there debit cards is having issues so they are not sending out cards Im also not able to link an external bank account so when the block is removed its going to be difficult accessing my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-07 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: TX

Complaint narrative:
The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. XXXX XXXX XXXX have knowingly reported inaccurate amount due to the credit bureaus. I also had XXXX XXXX coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for XXXX XXXX. XXXX XXXX XXXX also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if XXXX XXXX XXXX  have been sending my mail to this address. ALSO XXXX IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.

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 2020-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: WA

Complaint narrative:
We are applying for a refinance on our primary residence. We have lived here 5.5 years and have a ton of equity. We are wanting to consolidate our debt due to my husband being XXXX. All is moving along fine and then we get told we have a foreclosure coming up on our credit report and need to get that removed before we can go forward. We pay {$60.00} to pull both our three bureau reports and nothing shows up at all as it should not. 

In 2009 we did have a foreclosure due to the bank being unwilling to work with us - XXXX XXXX XXXX this was proven in court and we did receive a settlement under this action. 

Not only was that the case, but we went through a bankruptcy so reporting the foreclosure is against the law as the loan was included in the BK although we were making voluntary payments. In addition, this is greater than 7 years old ( should be off the report ) and the BK is greater than 10 years old and is off all reports at this time. 

The mortgage broker said he agreed this should not show up, yet it does and too bad so sad basically. I have no recourse as they will not disclose where this information is coming from. When we purchased this home 5.5 years ago this did not show up at all because it could not even back then! 

This is unlawful and we need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC actively refuses to connect with XXXX, citing security issues, but is simply not true. There are articles on their refusal to work with XXXX in favor of their own competing service. Competing service is fine, but their reasoning does not hold, so they're covering up under a " sounds nice '' excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I HAVE BEEN DISPUTING THIS DEBT FOR SEVERAL YEARS NOW, THIS COMPANY HAVE BASICALLY REFUSE TO VERIFY THIS DEBT AND KEEP REMOVING AND REINSERTING THIS DEBT ON MY CREDIT THEY HAVE YET TO SEND ME ANY PROOF THAT I SIGNED ANY DOCUMENT WITH THEM OR OWE THIS AMOUNT, MY LAST DISPUTE WAS SENT OUT LAST MONTH XX/XX/2020 AND ON XX/XX/2020 I CHECKED MY CREDIT REPORT AND THE REMARK WAS DELETED AND THE NEXT DAY I CHECKED AGAIN AND THE REMARK WAS BACK ON MY CREDIT. AND THE ONLY THING THS COMPANY IS SENDING ME IS A PACKAGE OF BILLS, NO CONTRACT OR ANY SIGNED DOCUMENTS, AND A LETTER SAYING THEY CAN NOT COLLECT ON THE DEBT.BUT THEN THEY KEEP REPORTING IT ON MY CREDIT. 
THIS IS HOW PORTFOLIO RECOVERY DO BUSINESS.THIS IS NOT ACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, nor is the bankruptcy on experian mine.

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 2020-06-07 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: AZ

Complaint narrative:
I checked my credit report on XXXX XXXX and under the Equifax report, I saw a XXXX XXXX XXXX  XXXX credit card open on my account that I do not have. I called the bank it was listed under and they verified my info and said there was no credit card open under my name and social security. So then I called Equifax and verified all my info and they said they could not provide assistance and I needed to send copies of my ID and Social Security card via mail to them to verify my identity. That immediately sounded fishy, I verified all my personal identifiers so not sure why they need this. I do not and will not EVER send a copy of my social security card in the mail. This is an improper use and abuse of customer private information. I want to this resolved since I do not have this credit card open and it is been reported under MY credit score but do not like the way Equifax is trying to handle it. The card is not showing open under my XXXX report only through Equifax so they need to amend this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: NV

Complaint narrative:
These are not my accounts, nor is the bankruptcy on XXXX mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Like many people, my family and I have struggled for the last few months with the aftermath of the coronavirus recession. I am a single parent to XXXX kids, XXXX with XXXX XXXX, and the only other adult in my home ( my middle son ) who had a job, lost it in XXXX due to the recession and only last week began to receive UI benefits. So since the second half of XXXX, we've only had my income to live on. There have admittedly been many occasions when my checking account has been overdrawn during this time. However, I have heard that many other banks and financial institutions have been willing to waive fees due to overdrafts, because of the extraordinary circumstances. XXXX, however, has done very little to help, despite my call to customer service on XX/XX/XXXX, followed by my call to my local branch manager on XX/XX/XXXX, asking for some consideration, Since XXXX, I have been charged {$3600.00} in overdraft fees. The best that either of them could do for me was to forgive a total of 14 of them ( {$490.00} ). In fact, what prompted me to call on that particular date was that my paycheck was due to be direct deposited on the XX/XX/XXXX, and my account was overdrawn by more than the total amount of my paycheck- in other words, as soon as my paycheck was deposited, the bank would take all of it for NSF XXXX That happened, anyway, even after the forgiveness, and still the account was overdrawn by {$75.00}. I have now stopped direct deposit, because I can't afford to have my entire paycheck taken away in fees. XXXX XXXX, the local branch manager who I contacted on XX/XX/XXXX, has told me since then that he can not waive any more fees on his authority level, and that " senior management '' is considering what to do. Several more weeks have passed, and I have lost all of that money, which was more than my " stimulus payment '' plus my paycheck combined. I understand that banks are for-profit entities and that service fees are a part of that package. But given the circumstances, this is nothing short of predatory banking. I am asking that you intervene and question the bank about their predatory practices, at the very least. I'm losing hope of ever seeing my money again.

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 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I tried to order from XXXX XXXX. 
The computer rejected my request. 
Then Comneity Bank deducted {$75.00} {$89.00} {$89.00} on XX/XX/XXXX From my debit card. 
I did not authorize this, Their computer systems are a mess. 
Please intervene. 
Thank you

Company response to consumer: Closed with explanation