vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX  XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XX/XX/2020, I was advised I qualify for a refinance my loan. I spoke with XXXX XXXX and he went over the numbers with me. He advised me that I would need to pay for my own appraisal which I was like hmmm only if I am approved he advised I was and it was ok. He also advised that I can put the amount on my credit card basically and pay it back because once it goes through I wont have a mortgage payment for 45 days. I then took his advise. My loan went on through the process and the processer then advised me that because of my student loans I did not qualify. She then advised me that she will submit the request for a refund. I called her back the next week and she then said she would again submit the request to her manager. I called her the following week no answer and I spoke with someone and they advise they will transfer me and still no answer. I emailed her and she block my email from getting though. Please help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There were several things listed on my credit file that I submitted a letter with the documentation they requested and what I received back as an OPEN LETTER with all my personal information and a return to sender unable to deliver. I then checked their site and it's the same address on the envelope. This is not acceptable. What are they trying to do stop me from disputing??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: PA

Complaint narrative:
Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not 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 2020-03-05 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: GA

Complaint narrative:
Debt is unknown. I personally reached out to XXXX XXXX XXXX and they told me my debt was with XXXX XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX  XXXX. I have already settled my debt with them. I have no idea who XXXX  XXXX XXXX is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.

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 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My debit card was attacked twice in two months causing a slew of problems with paying my bills. On one particular weekend, a few of my bills came out that I was not prepared for after this cyber attack. PNC ending up charging me 4 over draft fees totaling over 140 $ over the weekend. I promptly paid the money for the bills the following Monday. PNC has not been willing to work with me and as a XXXX with no money. I see this as stealing from the poor. PNC also without hesitation will change the terms and  agreements to your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have previously contacted Bloomingdales credit card about a balance that was due to items not being received by me. I was under the impression it was taken off. On XX/XX/XXXX I received a 1099C discharging the debt I called the 800 number several times trying to speak to someone since any IRS form were suppose to have been mailed out before XX/XX/XXXX. On XX/XX/XXXX I received an email from my XXXX, XXXX  and XXXX  stating that this debt was discharged.  Bloomingdales discharged this debt in XXXX and has fraudulently back dated the form to reflect they discharged in XXXX they have sent me this form late and also the amount on this is wrong since the items ordered were never received by me. They were sent to the wrong address. I have disputed this several times. I need them to withdraw this 1099C and wait until XXXX Since this was just discharged XX/XX/XXXX see proof attached. And they need to send the IRS and myself an update form.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Obtained loan to purchase a used car XX/XX/XXXX for a XXXX XXXX with 101,637 miles on odometer. 

Borrower put {$3800.00} down as deposit and borrowed {$15000.00}. 

Now it's XX/XX/XXXX and the blue book value of the car ( {$10000.00} ) is less than 50 % of the Account Balance ( {$22000.00} ). At this point there is no way to get out from under this predatory loan. 

To add insult to injury, we spent {$4000.00} fixing the car before calling to surrender it ( timing chain tensioner failed, jumped teeth, and the valves hit the piston ). 

Credit Acceptance should not be allowed to make loans like this to vulnerable consumers.

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 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial placed a bad debt on my credit report and inadvertently it lowered my score. I contact Ally to inform them that per the divorce decree this debt does not belong to and this has been communicated to them several times.

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 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I woke up on XX/XX/2020 to an email from XXXX  that I had four new delinquent accounts that just popped up out of no where. These accounts never showed on my report as even a credit pull, just delinquent. So I then did a dispute and today XX/XX/2020 just under the 30 day mark for XXXX, they are saying these accounts have been reported accurately on my report, therefore they are my accounts. Then, I tried reaching out to Midwest Recovery, the reporting collection agency and they couldn't pull up anything by my name or social security number. There are a total of four accounts all from the original creditor " XXXX XXXX  XXXX XXXX '' of which showed up on my business bank account last XXXX-XXXX  as fraud. All totaling around $ 22k. I have worked very hard for an excellent credit rating and if anyone saw my credit they would know that these are not my accounts. If XXXX   did their due diligence they would see that these accounts are bogus and there was no proof that they belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I received an annual pmi disclosure letter. After reading it and doing the math I contacted the lender to confront them with the fact that I had been under 78 percent of the original home value for at least a few months. I was given the run around that my complaint must be sent to someone else with no promise of fixing the problem and agreeing to nothing on my end. I realized I had been billed again for pmi in XXXX. I contacted the lender again and got the run around about company policy not allowing a refund of what I was overbilled on pmi. Penny Mac is claiming I am not owed the back pmi based on a document that was signed at closing. I don't understand how this document would be binding if auto termination is required at 78 percent. Could you please help me determine my rights under the Homeowners Protection Act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Ocwen Financial Corporation
State: NV

Complaint narrative:
We paid off a mortgage loan with PHH Mortgage in early XX/XX/2019 but they refused to confirm that payoff to our new prospective lender for almost 60 days during which time they reported our loan payments as delinquent. They have since acknowledged that error and claimed they instructed the credit bureaus to revise our history to eliminate the delinquency. 

Our issue is a simple one. It is now 90 days since PHH Mortgage promised to fix their error and yet the credit bureaus still report our fraudulent delinquency. PLEASE tell us what we need to do to finally provide a remedy for this illegal activity on the part f PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NJ

Complaint narrative:
I wrote a letter XX/XX/2020 and not heard any information back from them regarding the erroneous information on my report. I have sent them a picture of my photo ID, Social security card and a bill.

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 2020-03-05 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: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
GM financial reported my car payment late over 30 days in XX/XX/2019 and XX/XX/2019. This is inaccurate! I Paid before the payment was 30 days past due and it indicates on the GM payment history on their web site the payment aaa processed before 30 days. In fact the money was taken from my bank account. They wont correct the error. They reported that I was late for these two months and I was not! They must correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX I signed up for a Barclay Cards XXXX XXXX branded card as I knew I would like to travel and accumulate miles through either paid travel or through the use of their milage program. I also signed up for the XXXX XXXX XXXX XXXX card a few months later. I've been a loyal customer of both banks for the past 6 years, never once any issues with paying the accumulated debt. I had built up over XXXX miles with XXXX XXXX through various means which included normal spending on the 2 banks credit cards, opening a checking account, etc. In late XX/XX/XXXX my XXXX XXXX account was frozen, in XX/XX/XXXX I received an email from XXXX XXXX that my account was not canceled and all of the miles I had worked to earn was gone. I have since closed my XXXX XXXX  accounts as they are pointless to have and tie up available credit. The Barclay Cards account is still open and I was going to close it once I had paid off the balance. However, I'd like to know if there is anything that can be done to have my XXXX XXXX restored. I was trying to buildup the miles to use in my retirement and now I have nothing.

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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
There was a charge on my BB & T now truist? checking account for {$1100.00} around XX/XX/2020 in XXXX XXXX West Virginia that I did not authorize. I was being overcharged by a gymnastics company named XXXX XXXX. I am in a dispute with the owner of the gym. He kept my debit card on file and charged it. I am not enrolled in any sort of auto pay with this company, I never signed a contract for the amount of {$1100.00} and I never ever gave this man permission to charge my debit card. Ive filed 2 separate claims with Bb & T and they say theres nothing they can do. Nobody alerted me this amount was charged, the bank nor the owner of XXXX XXXX, XXXX XXXX. It wiped my account out and left me XXXX cents. BB & T will not own up to this, they are NOT protecting me, despite showing them proof that I never gave this man permission to help himself to my bank 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 2020-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. 

I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation