vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I had an original contract with Pelican finance in 2016 when I financed a vehicle. I've made about 2 years worth of payments on time, but have no record of those payments reflecting towards the balanced that was transferred over to Westlake when they supposedly bought out my contract. I never signed any agreements with Westlake for this vehicle and they are not able to show me payments I've made when I was under Pelican. Pelican never made me aware of their company closing or selling my account to another finance company. 

Please help me get this rectified or have the account removed from my credit report. I know I don't owe the amount they are claiming I owed, and I've already paid over {$14000.00} alone within the first 3 years of financing the car, so they are being snakes and not caring about figuring out the true amount owed including my initial interest rate. 

Please help me get my life back on track because this company is taking advantage of the situation. 

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   US SM BUS ADMIN XXXX  XXXX 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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: KS

Complaint narrative:
I refinanced my loan in XXXX 2020. 
The first three house payments went through my bank with online banking, no hitch.

The next SIX payments, ( I'm sure soon be seven ) are RETURNED/Cancelled by LoanDepot. 
My bank has assured me it is something on their end that has changed. I received a letter dated XXXX that a new payment address as well as a new loan number was issued. Although my banks default with payment address reads that " they would know about a payment address change before I did, I dutifully called and doublechecked the payment was being sent to the XXXX XXXX, N.J. address. I have spent HOURS on the phone with customer serv. reps that can not help me. I have begged for a supervisor ( s ) to help. The first two times it happened I was assured that everything had been corrected and the problem had been rectified. Not only has it not been rectified, its getting worse. I am in some horrible customer service gerbil wheel that is a series of being put on hold for unreasonable amounts of time only to be transferred ( if it goes through ) for more holding. 
I have begged for supervisors. No one seems to be able to help. In the meantime I'm getting robot calls to call them immediately as my account is past due. All to do it over again. Its bordering on harassment as the customer service department serves as a collection agency. Please CAN YOU HELP ME. I've attached the banking records. 
I've been told I am not the only one that has had this problem from a couple of the customer reps. 
Wouldn't you think with all the recorded conversations and the company returning my checks someone would know what to do. Worse customer service EVER. They know of not one other division I might contact, or so they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
10-40 calls a day from Portfolio Recovery. They use deceptive tactics by using third party phone number service and uses a calling number similar to my number and alter the call Id to an actual name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The problem that Im having with XXXX XXXX XXXX is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I have inquiries from companies I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc
State: TX

Complaint narrative:
I have inquiries from companies I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Sent payment on XX/XX/XXXX for XX/XX/XXXX due date. It was deposited in Goldman ( for Apple Card interest free purchase ) account on XX/XX/XXXX ( have copy of check ). Ive chatted, sent copy of deposited check and called 3 separate times and Im receiving late notices still today. They keep apologizing but nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My credit report shows late payments when there wasn't ever late payments. The information that is showing is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They closed my account and did not tell me. Then they overdrew the account for {$1500.00} after approving it. They have done everything I. Their power to be horrible and its not warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
XXXX XXXX send me to collection for the money I did not owed, I try to called XXXX  for fix the issue and they said that they made a mistake. However the debt collection still ask me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I want to Link a brokerage account to my PNC bank account but PNC won't allow it and keep directing back to the broker but its PNC bank not allowing the linking of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When I opened a Wells Fargo credit card, I was sold and accepted a product that would pay my payments in the event I became XXXX. I paid my account perfectly until I suffered a XXXX XXXXXXXX. I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 1 year. I am now XXXX XXXX. As soon as I was able to handle some of my personal business again, I called the number from the program. I was told to call Wells Fargo directly because they closed that program and department after getting in trouble for adding the product to accounts without consent. I was told that I couldn't make a claim on the program or receive any benefits because I did not file before the program closed. In my program documents, I have until I am able. I attempted to file the claim as soon as I was able. After speaking with many collectors when I called and explaining the situation many times, the executive office responded and said they could do nothing to help me, even though they took my money all that time and even though the XXXX " incident '' took place while the program was still active. The account is charged off and appears on my credit. Now years later, I have received a check from Wells Fargo Remediation for {$830.00}. The check stub describes it as refund for Credit Defense service, applicable fees, interest, and lost compensation. I tried speaking with someone from the number on the stub but they couldn't help. I have again made a complaint to the executive team but the only response I get is that more time is needed. This has been going on for years. I do not care to have the money I paid for the program refunded. Rather, I want Wells Fargo to take ownership of the problem and correct it. If I were able to file my claim as described in the brochure, all of my payments would have been made by the program to Wells Fargo, my credit would show the account paid as agreed, and my credit report would not show {$3700.00} in charged off debt. I have not cashed the {$830.00} check they sent me. Please help me finally resolve this situation with Wells Fargo.

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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
XXXX XXXX XXXX totaled. Kia Finance requested {$14000.00} to guarantee title to insurance company. ( Payoff was {$1800.00}. ) Insurance co sent check for {$14000.00}. Checked received by Kia Finance XX/XX/XXXX. I am owed {$12000.00} by Kia Finance. My refund check is still " pending '' with Kia Finance. I have called their customer service several times regarding this with no satisfaction.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is holding me XXXX. As of XX/XX/2020 I have tried 4 times to temporarily lift a credit freeze as part of a home purchase. They keep giving me the run around about how they can not lift the freeze even though I pass all of the security questions. They keep sending me to an overseas call center and refuse to let me speak to a supervisor. 

In contrast, both XXXX and XXXX have been great. 

I do not appreciate how a company which I did not choose can be preventing me from having a credit report run. They should be shut down!

Company response to consumer: Closed with explanation