vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXXrail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit 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 2020-06-17 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: NY

Complaint narrative:
Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
Car loan was taken out in XXXX the car was a XXXX and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit 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 2020-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX : Qualified Written Request Pursuant to the Real Estate Settlement Procedures Act for Account Number xxxxxx To Whom It May Concern : I received notice that I have been approved for an assistance plan based on the COVID-19 pandemic. The plan states that I will be able to make partial payments during the forbearance period which runs from XX/XX/2020 through XX/XX/2020. However, I have made two payments and the payments have been returned. I am writing to request that my account allow partial payments during this time.

I have been provided with an amount that will be due in a lump sum once the forbearance period ends. However, I feel that it is in my best interest to make partial payments if I can. In the past two months I have made two payments toward my balance. Yet the payments have been returned. 

XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX  Debit - {$440.00} XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX Debit - {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX  Credit {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX   Credit {$440.00} Please write to me within 15 days to explain why my account will not accept partial payments at this time and if it will be possible to allow partial payments so that I can begin to pay down my balance so that I do not experience a balloon payment at the end of the term. 
Thank you so much for your attention to this matter. If you need to reach me, my number is xxxxxxxxx Sincerely,

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC does not allow " linking '' of our accounts with accounts that reside at other financial institutions, such as money transfer services such as XXXX, XXXX, and XXXX. PNC 's policy is harmful to consumers and an unfair business practice, given that every other large regional/national bank allows account linking. 

PNC has denied me access to over {$130000.00} because of their unfair and self-serving account linking transfer restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Risecredit, LLC
State: TX

Complaint narrative:
The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Automotive Partners Funding
State: AZ

Complaint narrative:
Automotive Partners Funding ( also doing business as XXXX XXXX on my credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX In regards to account number : XXXX This was an auto loan I was second signer on for my ex-spouse. We divorced in XX/XX/XXXX and in the decree my ex-spouse kept that car and all associated debt, then later that year my ex allowed that vehicle to be repossessed and then skipped out on the debt. 

In XX/XX/XXXX, a law firm in XXXX, AZ, contacted me on behalf of this creditor and despite the divorce decree, insisted that I must pay the debt anyway or have my wages garnished. I have good credit habits, so in order to protect my credit, I negotiated a settlement with them of {$5000.00} to ensure the account never went on my credit as a garnishment or unpaid debt. This account was " settled in full for less than the balance owed '' on XX/XX/XXXX. I obtained a letter from the legal firm, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX - ( XXXX ) XXXX, stating this fact. I thought it was done and behind me. I have attached that letter to this complaint. 

Unfortunately, this loan company has persistently attempted to put this back on my credit report ever since, sometimes posting as a charge-off, other times posting as still owed debt of $ XXXX, and most recently in XX/XX/XXXX, they posted it on XXXX  as a COLLECTIONS account with $ XXXX owed on it. I have repeatedly disputed this and had it removed multiple times. Each time, it is gone for a while and then it comes back again. I have attached an image of how my report looked in XXXX with XXXX due and as a PAID CHARGEOFF ( which is how it looked after I last disputed it ) and another image of how my report looks now in XXXX, where they have now reversed and posted it as a COLLECTIONS account owing {$10000.00}. 

This has got to be illegal? It is false information that is being put on my credit report. They know it to be false information and keep posting it. I settled up with them in good faith and did the best I could by them for a debt that wasn't even mine. They are not honoring that settlement and are harassing me via my credit report ever since. 

XXXX XXXX ( formerly XXXX XXXX )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This account was opened fraudulently. I DID NOT OPEN THIS ACCOUNT. I ldid Not discover this until I used a visa card XXXX sent to me XXXX XXXX see attatched USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX, XXXX see attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL INSPECTOR USPS ( post office ) DELIVERIES NOT MADE. see attatched USAA DOCUMENTATION XXXX case XXXX Kindly Note ( CLEARLY NOT ORDERED FROM MY IP ADDRESS = means UNAUTHORIZED ). & ( CLEARLY NOT MY SHIPPING ADDRESS = means GOODS NOT DELIVERED INTO MY HANDS. ) see attatched Company Response to CFPB USAA XX/XX/XXXX HOLDING ME LIABLE FOR {$470.00} XX/XX/XXXX transactions. see attatched CREDIT CARD FRAUD CLAIM LETTER XX/XX/XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA HAS PROVIDED ZERO ** NO PERMANET CREDITS. see attatched the 5th work order results after 2 years. REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX. XXXX NO FRAUDULENT ACTIVITY FOUND ON THIS ACCOUNT. ( *** USAA REVERSED {$3000.00} CREDITS USAA NEVER PROVIDED XXXX USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are inquiries that are on my credit report that have no knowledge of and are authorized by me. I have submitted disputes to Experian requesting if they were not attached to an open account and they refuse. I have asked have requested proof previously on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inquiries were made on these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Address : XXXX Fletchwood XXXX XXXX MD XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX  : XXXX  disclosure department, XXXX XXXX XXXX, XXXX, Ga XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern : I am writing to dispute the following information in my file : Account # : XXXX Open : XX/XX/XXXX Balance : XXXX High Balance XXXX Payment : XXXX Account Home Loan. 
Premises address : XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX  XXXX XXXX XXXX Account identifier District XXXX account number XXXX My then wife with the help of the women batter center in XXXX , Md file a file XXXX charge of XXXX against on the compliant file my XXXX XXXX XXXX . I was XXXX  and XXXX, I was order to never return are put one foot on the property are I would go the Jail. This was XX/XX/XXXX, on XX/XX/XXXX I was found not quite of all charges since they were made up away, but the damage had been done I had lost everything including my current job. I file a lawsuit against my employer for wrongful termination and won. All the creditors came after me filing garnishments and I was already paying back child support by garnishment. I had know other course but to filing a ChapteXXXX XXXX. Now by credit is suffering because of a lie five years later.

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 2020-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: ME

Complaint narrative:
I opened a Relia Card when I got it in the mail, thinking it might be the only way to receive unemployment from Maine. When I figured out I was wrong, I tried to call Relia Card or by online close my card. You can't do it online, in fact, my login won't work after I set it up, and it says you have to call, but no matter how many times you do, you can't get a person on the number to do so, and the quality of that waiting call is so XXXX  you can't even understand the recorded message very well. I have no way to close this card, and it says I will be fined monthly for inactivity by the paperwork. I don't want this card at all. When the automated voice comes up, too, asking for the account, it asks for dates, which I put in correctly and it just repeats itself over and over claiming I'm entering the wrong numbers or there is no such 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 non-monetary relief
Consumer complaint received 2020-06-17 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: TX

Complaint narrative:
There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.

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 2020-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I was given flood insurance after providing documentation that my home and parcel it is on is not in a flood zone. I provided FEMA map,  letter from zoning stating I was not in a flood zone, and additional maps online in support that the property associated with my mortgage is not in a flood zone. I contacted the company that made the flood determination and found out LoanCare did not provide them my parcel number so their determination was made on a storage building behind another house down my road, not my home. Once they got my parcel number they also agreed I was not in a flood zone and sent another determination stating so. After all this LoanCare now says they need a new property description and to contact my county tax office. I called and they were perplexed at the request and said as far as they can see I am not in a flood zone and do not need a new description. This has been ongoing since XX/XX/2020 with no resolution. They overdrafted my escrow account to purchase {$1000.00} flood insurance so my mortgage payment will go up $ XXXX starting XX/XX/2020 to compensate the overdraft, and my property taxes are due in XX/XX/2020 but now there is no money in my escrow to pay them. This has been going on for 4 months. I have missed time from work and my family making countless phone calls to LoanCare, zoning department, XXXX, FEMA, and the tax office. The stress this is causing me is interfering with my job. Im at my wits end and am to the point of just contacting a lawyer to pursue this further.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On or around XX/XX/2020 I called the PNC call center for assistance. Due to COVID-19 my flights from XXXX XXXX to XXXX were canceled. I contacted XXXX XXXX to apply for a refund since they cancelled the flights. They said they could but had to process the refund to my original form of payment. The debit card I used that is tied to my PNC Checking account wasnt active because I had closed it due to suspicious transactions. I contacted the PNC call center just to ask if they could put my old debit card on a status to  block debits but to allow credits just so I could get this refund. The person on the phone told me they couldnt but that they could dispute the transaction since I didnt receive the service from XXXX XXXX. Believing she knew the right thing, I followed her lead and she told me that I would be credited the money back shortly. Now, she did read a statement about provisional credit but made it seem like it was just something she had to read. I received a letter in the mail that said I had to sign it in order to process the credit that the PNC employee told me Id get. I signed it and sent it back. Within a few days, I received my credit. Yesterday I was stunned to see that my account was negative {$1400.00}. I couldnt figure out why until I put 2 and 2 together. I travel for work so I received no notification that this money was being reversed and had happily continued spending as such. I dont even know if the bank sent any notification as I wont be able to check my mail until the weekend. I contacted XXXX XXXX and now they are just flat out refusing to issue me a refund, my account is negative with PNC during a pandemic and on top of it, PNC is charging OD fees of {$36.00} each for transactions that had been approved and were pending before they reversed my credit. I am sure that Im the days to come I will receive even more OD fees which will put me even more in the hole and unable to pull myself out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My mortgage company is refusing to provide me with a payoff statement. I requested a payoff statement on XX/XX/2020 and it is now XX/XX/XXXX and they have still not provided it. I followed their procedures of ordering the payoff online and followed all of their directions. 

Since I have placed the order, they have not replied to my request. It has been 17 days and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2020 and several dates before this. Experian is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my XXXX erroneously shows XXXX. The score should be around 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 non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC
State: MN

Complaint narrative:
I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed. 
It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory. 
This item needs to be deleted or corrected. 
I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.

Company response to consumer: Closed with non-monetary relief