vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated

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 2020-12-29 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: OH

Complaint narrative:
The account forXX/XX/XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.

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 2020-12-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The account for XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I got email XXXX XX/XX/XXXX. I saw they pulled my creditXX/XX/XXXX BMW XXXX 2 time XX/XX/2020 and One BMW XXXX XX/XX/2020. So, I tried to call XXXX XXXX XXXX 5 time. So, called customer and we talk about 3 minutes. XXXX XXXX XXXX and we talk, some pulled my credit 3 time XXXX XXXX XXXX. You need to talk to Finance Direct Department XXXX XXXX. So, I sent Mr XXXX an phone 2 time XX/XX/2020, XX/XX/2020 and 2 time XX/XX/2020. Mr XXXX and want call him back. The pulled my credit 3 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
The Student loan company mow MOHELA, I have paid in full the {$370.00} several months ago and I have a copy on my credit card of where I paid three main in balance which was the {$370.00} and it still shows that I owe that much even though I already paid off my student loans. It is affecting my credit score negatively since it shows I have a balance even though I paid it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
we do not have an account with XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The company has reported me as deceased to the credit bureaus and I am unable to obtain credit. I have made several attempts to correct the inform and each attempt has been unsuccessful. I went into their store to provide identification as requested and my file remains incorrect. I was advised to take identification in a store to have the deceased notification removed from my file. That was done on XX/XX/20 when I spoke with a XX/XX/XXXX# XXXX at their XXXX, WI store and I was advised the three major bureaus would be notified within 30 days. I attempted to obtain a loan from XX/XX/XXXX 30 days later and was denied due to being reported as deceased. Please review my attached documents regarding my encounters with Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services has added a collection account to my credit reports withXX/XX/XXXX and XX/XX/XXXXfor a debt that I do not owe. Under the Fair Debt Collection Practices Act, they are required by law to inform me of any debt owed, and it must be accurate prior to reporting that information to the credit bureaus. As I do not have a debt with this company, no validation of this debt has been made and Phoenix Financial Services has violated my rights, I am requesting that the account be removed from XX/XX/XXXXandXX/XX/XXXX immediately. Phoenix Financial Services has also initiated abusive practices by the placement of telephone calls without meaningful disclosure of the callers identity. I was called twice by an unknown number ( that when researched was listed as this company ) by a representative whom would not disclose who they were, but stated " to have her call me darling '' then disconnected the call on XX/XX/XXXX which was very inappropriate. Then on XX/XX/XXXX I received a call from their number to which they stayed silent on the phone which felt like an attempt to intimidate me. I do not know this company nor have I ever done business with them, and their erroneous reporting is hurting my credit worthiness and needs to be removed from XX/XX/XXXX and XX/XX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have advised Equifax that they were reporting in correct information on my credit report as it relates to XXXX. Account NUBMER XXXX. XXXX sent me a notice that the account was being removed and it was not to be reported on my credit. To date- Equifax continues to say the account has been verified as being reported accurately. XXXX has settled 2 law suites because of this. 

A consent order has been issued by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for allegedly violating the Fair Credit Reporting Act. The CFPB has ordered the originator and servicer of nonprime auto loans and leases to pay a fine of {$4.00} million to settle charges that it knowingly supplied inaccurate consumer credit data to the three major credit reporting agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MI

Complaint narrative:
I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer

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 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
During my period of unemployment, I contacted a my financial counselor for assistance with revising my household budget during my period of unemployment, the counselor and I contacted ACA on three different occasions ( XX/XX/XXXX, XXXX and XXXX ) with requests for a lower monthly payment arrangement based on my lower monthly household income. Each time, we were told that the company 's policy do not consider, refinance or re-structure of loans and I would have to send them {$1000.00} or pay all past due payments ( 3 months ) including late fees before my loan can be considered for a work-out which included adding the missed payments ( {$1300.00} plus late fees ) to the back of the loan, further increasing the loan balance to {$17000.00} while my car holds a current book value of {$4500.00}. Then they would reduce the monthly payments only for XXXX, XXXX and XX/XX/2021 by 25 % from {$440.00} to {$330.00}. I was also advised by one of the representatives at ACA that I should consider borrowing the {$1000.00} to send to ACA to bring my account current, only then would I be considered for a " work out '' plan. I thought that was very bad advice and showed an unwillingness to acknowledge my serious financial position as a single father with XXXX children XXXX and XXXX years old. During my conversation with ACA on the XXXX, I was assured that the company has no interest in repossessing my car since I need it for going to and from work. However, following the call on XX/XX/XXXX I received two notices by text and email that my car has been placed for re-possession. I do not know where else to turn for help in this pandemic, so I'm filing this complaint because ACA shows an inability to consider my ongoing financial hardship but instead increasing my liability and pushing me closer to bankruptcy or homelessness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OH

Complaint narrative:
I am deeply concerned about the internal accounting, controls and customer service provided by these two companies. I would advise anyone who will listen to stay away from these companies. 
XXXX - https XX/XX/XXXX The Money Source ( TMS ) - https : //themoneysource.com/ I refinanced my mortgage of roughly {$280000.00} with XX/XX/XXXX on XX/XX/XXXX. Servicing of the loan was transferred to The Money Source ( TMS ) which is XXXX 's internal loan servicer. 

I made two monthly payments ( with extra principal ) in addition to a few thousand dollars extra in principal payments to TMS. The loan was then transferred to XXXXXX/XX/XXXXloan servicing in XXXX. 

Due to what appears to be failed internal controls and accounting, TMS never transferred all of my loan payments to the new loan servicer. They failed to send over roughly {$8000.00} in payments. 

I have called them 5 times regularly since this time ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to correct the issue and each time they have told me that either the issue will correct itself eventually or that an open task is pending with an internal department to address the issue. 

Once they recognized that the issue would not " correct itself '' they finally opened an internal task which was due to complete by XX/XX/XXXX ( roughly a month out from when I called. ) This date has come and gone without resolution or even a call back. I have been told on 4 of these calls that someone would call me back within 24-48 hours to provide an update. I have never received a call back. 

1. If I had not tracked in detail the loan balance and payments made, it seems that TMS would have never discovered this issue, these funds would still be lost, and I would not have been aware of {$8000.00} simply vanishing. 

2. I seem to not have any recourse to address this issue with TMS. I have given the company ample time to address the issue and nothing has been done. They continue to kick the can down the road. 

3. I have no control over the loan servicer chosen for my mortgage. I am deeply concerned about the internal accounting and controls in-place at XXXX and The Money Source ( TMS ). How many other individuals have lost thousands of dollars in payments without even knowing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I filed a dispute on Saturday XX/XX/21 when around XXXX XXXX  I deposited several checks, and the ATM ate them without giving me credit and printing a blank receipt. It took EVERYTHING and said it was a system error. I came into the branch immediately the following morning, and the acting branch manager was clueless about the process. When He had to call into customer service and seem like he didnt know what to do. He filed a dispute but didnt really have any type of information that was of any value. I got three different timelines, one from the branch manager, another from the head teller who I was referred to and another from the phone agent, none of which matched any of PNCs disclosures I read. I asked the acting branch manager to contact the ATM company and he said that they dont do that. So there I was 30 feet from the ATM sitting in a branch and not able to get my checks that were in there. 

The branch did not immediately file a work order with the ATM servicer and my dispute dragged on for weeks. When I contacted the ATM company and they said that the work order was supposed to be filed to service the ATM in the event of dispute, and that they had nothing on file. 

I also contacted customer service by phone to file them online and phone dispute because of the performance in the branch. I had very little confidence that anything would be fixed timely. Its horrible going into a holiday with something like this happening to your money. The deposit included my unemployment checks and reimbursement for insurance premiums I was paying as well as other project income I had earned over the last few months while on furlough. I was so distraught. After many calls and emails I received provisional credit after I called to remind the agent that I had been waiting 10 days for my checks. I was expecting my checks to be located from the atm and deposited the retuned to me which I requested. 

I just happened to check my account last night on XX/XX/XXXX, and noticed that {$1200.00} had been charged back to my account from the provisional credit with NO explanation. No communication was provided to me pertaining the results of the investigation. I was expecting the deposit amount to increase NOT decrease because the were more checks deposited than I had the stubs for at the time of the deposit. I wish to dispute the provisional credit, with subsequent withdrawal without explanation. I would like a full explanation as to what happened to my checks and the results of the investigation which is dragged on for so many weeks. I would like all of my money returned and credited immediately. Upon resolution I wish to close all business and personal accounts currently on file with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
This complaint is a follow up to complain XXXX originally filed on XX/XX/2020. We feel that Selene Finance did not respond to the original nature of the complaint. On the letter dated XX/XX/2020, Selene Finance requested one additional payment to finalize the trial modification. On XX/XX/2020, we submitted this payment. In Selenes response of the XX/XX/2020, they do not address the issue of the letter dated XX/XX/2020, which requests one payment to finalize the loan modification. In addition, the phone number provided to respond is not the Executive Response Office. It is their main customer service number, which can not provide resolution to this issue. We are requesting a direct number to the Executive Response Office. This is an FHA loan. We have never been offered any of the retention options, such as forbearance, which have been offered to mortgage holders during the current COVID crisis, regardless of their delinquency status As resolution, we request that Selene Finance honor their letter of XX/XX/20 and accept our payment of XX/XX/20 as successful completion of the Trial Modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I MADE A PAYMENT ON THE XXXX FOR {$300.00} AND CANCELLED IT AND PROCEEDED TO MAKE ANOTHER PAYMENT FOR {$200.00}. THE PAYMENT {$300.00} WAS DEDUCTED FROM MY CHECKING ACCOUNT WHEN THE PAYMENT WAS CANCELLED. I CALLED XXXX XXXX/CONTINENTAL FINANCE ON XX/XX/XXXX TO ENSURE THAT THE PENDING AMOUNT WOULDN'T POST AND THEY ADVISED THAT IT WILL FALL OFF MY ACCOUNT. HOWEVER, IT POSTED LATE THAT EVENING. ON XX/XX/XXXX REACHED OUT TO XXXX  AND THEY ADVISED THAT THEY WILL MAIL A CHECK AND THAT IT WOULD TAKE 5-7 BUSINESS DAYS. XXXX THAT I NEED THE FUNDS DEPOSITED BACK TO MY CHECKING ACCOUNT. I WAS TRANSFERRED OVER A MANAGER WHO COMPLETED A THREE WAY CALL WITH XXXX XXXX TO CONFIRM THE {$300.00} WAS POSTED. AGENT FROM XXXX XXXX CONFIRMED THAT THE PAYMENT POSTED ON THE XXXX FOR {$300.00}. HOWEVER THEY ARE STILL ASKING FOR DOCUMENTATION. SENT OVER PAYMENT INFO ON XX/XX/XXXX VIA FAX TO XXXX AND RECEIVED CONFIRMATION THAT THE FAX WENT THRU

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 2020-12-29 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to TRANSWORLD SYSTEMS I agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting TRANSWORLD SYSTEMS I agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
my current address is not showing on my equifax and XXXX report,

Company response to consumer: Closed with explanation