vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: IA

Complaint narrative:
I uploaded a letter to XXXX XXXX and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX XXXX, or Transunion does not have any files to verify these accounts, nor will they delete it.

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 2020-11-25 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
My daughter car was repossessed in XXXX of XXXX  and which I co-signed for. Before that she had tried to work something out but never did. The next week it was repossessed. We were going to get it back but later found out they shipped the car to XXXX, Georgia after we were told that her car would remain in XXXX, Florida. She picked up a small portion of her belongings from the tow company and had so much more inside of her car. Until this day we do not know what happened to her belongings. There was a lot of value in there and nobody seem to know where what happen to her items. The car was sold and they're still requesting we pay {$13000.00}. It's not fair for us to pay that amount and on top of that they lost her items. She had several pair of shoes, XXXX, and that's just to name a few of the items she had in her car. I do not have the money to pay for this and neither does she. Even though I have a car loan with them after the fact but I still think this item need to be removed from my report. Please Help us with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I seen a XXXX on XXXX XXXX  & turned out to be a scam. I sent the money to him and still havent received anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
XX/XX/XXXX - received mail from USBank Reliacard which I do not have an account with and did not apply for an account with. Mail included a new Visa debit card with activation information ; The Reliacard cardholder agreement ; USBank facts and questions XX/XX/XXXX - called USBank Reliacard at XXXX multiple times and this number always has a recording that will not allow you to talk to a customer service representative and wants you to enter your card information to activate the card and set a PIN number XX/XX/XXXX - called USBank at XXXX and they automatically transferred me to the Reliacard number and automated message per my note above on ( XX/XX/XXXX ) ; called USBank again and demanded that I speak to someone but the CSR said that they couldn't help me as it was a Reliacard and is a totally separate system ; I left my name and phone number for a supervisor to call me back ***my fear is that people will activate the card and create a PIN number and then someone else will have a duplicate card that they will use for fraudulent purposes ***I also fear that my personal information may be compromised

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 2020-11-25 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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NY

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: IA

Complaint narrative:
I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax, or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: IA

Complaint narrative:
I uploaded a letter to Experian, XXXX and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX, or XXXX does not have any files to verify these accounts, nor will they delete it.

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 2020-11-25 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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc.
State: NV

Complaint narrative:
SST Systems phone XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX Amounts {$9300.00} added to account for forced insurance without contact or knowledge they said they had the wrong address but there records were correct. 
they were sent the insurance and failed to credit the account when asking for payoff they added it to the account and i was never aware of it except for going back and asking for a statement which they have failed to produce. 
they illegally back dated insurance policy and wont produce the policy. 

total scam they add money to the payoff and nobody knows when you ask for a payoff it is all included and never disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Certegy Holdings, LLC
State: GA

Complaint narrative:
I was contacted by Certegy Payment Solutions in XX/XX/2020, that an electronic payment was returned and referred to Complete Payment Recovery Services for collection and the item is being reported to a national check verification database as authorized by the Client. 

I called the Client which is a web hosting company-XXXX XXXX XXXX/XXXX XXXX XXXX-and they said neither company would report. The website or product purchased would simply not operate or function if a debt was not paid. 

The threat from Certegy Payment Solutions was that my check writing privileges may be denied until it is resolved. I immediately contacted Certegy Payment Solutions ( see attached ) but was sent another notice XX/XX/2020. XXXX XXXX XXXX confirmed a {$0.00} balance and no payment is due. ( see attached ) They also stated the letter sounds like a spam letter to alarm a customer so that they would immediately send a payment, but no payment is due on their end and they emphasized that if a payment was not received, the website or that particular product would not work.

I accessed Certegy Payment Solutions on the XXXX website. They have done this repeatedly to customers https : 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 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I received a letter from ERC Debt Collection a debt I do not owe this is a collection from XXXX 3 years ago fraudulent account results in identity theft. This account was sold to 5 different collections of business. Neither one couldn't validate the debt. I do not live in XXXX Texas. I live in XXXX XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TX

Complaint narrative:
Long story short : Problem : -reported fraud to company and credit bureau back in XXXX - Answer : debt collection initiated- - contacted both intities a several occasions- - never any fraud paperwork filed on my behalf Through the next 17 years up to current i XXXX XXXX XXXX have acquired two prepaid accounts XXXX credit cards ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

Several accounts and many hard inquiries continued to blemish my credit. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, Bank accounts : XXXX  XXXX XXXX, XXXX XXXX, etc. 

And many prepaid cards received via my home address XXXX XXXX XXXX XXXX tx XXXX on other individuals email accounts. 

And 20+ email accounts breached with/ result of no longer able to sign in again And in XXXX after disputing all activity and accounts nothing has been removed from my credit / even when letters have been received via emails that say everything has been deleted. Im at my end without credit for 20 years and my unemployment has been taken from me with an account with my credentials im not understanding why the id theft has not been fixed. 

Experian credit customer service its values and regulations out weigh productivity.

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 2020-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Had an old loan with PennyMac : XXXX which was refinanced in XXXX, loan was fully funded on XX/XX/XXXX. I contacted the XXXX Tax Commissioner on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they confirmed that county taxes were outstanding with a balance of {$3400.00}. 
I contacted PennyMac on XX/XX/2020 4 times via phone, and via their message center on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in reference to the unpaid county taxes, that were supposed to be paid off at closing. 
During the XX/XX/2020 call I was given the name of the titling agent, who according to them paid the taxes for me, I called XXXX XXXX  XXXX. They indicated that they did not pay the taxes at closing because they never received the funds from PennyMac.

PennyMac said they would open a tax inquiry with their specialists, but they've also stated that perhaps the escrow was used to pay the loan ; however, as another customer service rep also pointed out that the prepaid on the closing cost Details page, under Other Costs it lists property Taxes to XXXX County for XXXX. Which means they were supposed to pay taxes at closing. 
As of XX/XX/2020, the county tax website : XXXXXXXX  still shows the taxes as unpaid, however, PennyMac says that it was paid on XX/XX/2020, but that I have an owed amount in the escrow since I didn't have enough to cover the entire balance, which means they only used the escrow under the new loan number XXXX, and not the escrow balance from the old loan which was {$4000.00}. I called PennyMac on XX/XX/2020, and they said that perhaps the taxes were paid twice : once on XXXX, and once on the XX/XX/2020, I informed them that not only was the county website not reflecting that, but that the agent responsible for paying it off, XXXX XXXX  XXXX, also said they did not. As of right now I have no clue what happened to the {$4000.00}, from the old loan, as it was not used to pay the taxes, furthermore, the taxes are still unpaid, and I may have to pay out of pocket. PennyMac indicated on their closing disclosure that they would pay the taxes, and they have not, additionally, the old escrow balance disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi cards charged me interest on my credit card even though I paid my balance in full before the new statement cut. I owed XXXX on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX and they posted my XXXX on XX/XX/XXXX. They charged me interest on entire balance of my XXXX statement even tho I paid this amount already before my XXXX statement period began on XX/XX/XXXX. I was charge XXXX on XX/XX/XXXX even tho I paid my balance in full on XX/XX/XXXX. When I called XX/XX/XXXX I was told they charged me this based on a residual finance charge. This is illegal and immoral as I paid the fully owe balance so how can they charge me interest on something I paid already. They refunded my fee but this practice is illegal and needs to be stopped.

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 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Two XXXX transfers through PNC bank were made for an apartment lease that was found to be a scam. 

I filled out an application ( XX/XX/20 ) and signed a lease ( XX/XX/20 ) for an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX PA XXXX. I made to transfers to pay for rent via XXXX through PNC Bank. The recipient then was a no show at time of key pickup and texted me from phone number XXXX telling me that he had scammed me and stole the money. He uses an alias of XXXX XXXX under XXXX XXXX which is a legit real estate business in XXXX XXXX. 

Transaction 1 : XX/XX/20 {$1000.00} XXXX XXXX Account : XXXX Confirmation : XXXX Transaction XXXX : XX/XX/20 {$990.00} XXXX XXXX Account : XXXX Confirmation : XXXX The recipient admitted to the scam on XX/XX/20. I immediately called PNC Bank and made a report. I am awaiting written notice regarding their decision. 

I have also taken this issue to the XXXX police department in XXXX XXXX as well as the police department in XXXX, PA as that is where license address is. Neither precinct will help me file a report. XXXX police did open a record to show proof that I called with the complain. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On or about XX/XX/2020, I received a call from payment solutions/collections with an offer to settle my past due balance and close the account as I have had so many problems with this account. On that day, I spoke with XXXX XXXX ( XXXX ) and came to the agreement of paying off my past due balance with the financial hardship help from Comenity Capital Bank ( hereafter Comenity ) via a program Comenity was offering for those hardest hit from the COVID-19 Pandemic and experiencing hardship. The settlement came down to the terms of paying an initial down payment of {$30.00} or {$35.00} over the phone with Ms. XXXX and subsequent payments of {$69.00} biweekly for 6 months as scheduled for automatic payments via XXXX XXXX from my banking institution. In return, Comenity would waive all accrued fees in the amount of some {$320.00} upon completion of the terms of agreement. All payments were satisfied on my end, however, Comenity failed to meet their end of the agreement. In XXXX, I received an email from Comenity/XXXX XXXX  stating my statement was available. So I opened it, log in to Comenity 's XXXX XXXX portal, only to find a balance of {$320.00} remaining when in fact my account balance should be XXXX, as agreed. I called in to discuss these details with representatives but NOONE seem to know anything. I got tossed around in que for over an hour, still with no resolution. After speaking to a supervisor, I was tossed back to payment solutions because he rudely stated that he could see no notations and couldn't pull the call pretaining to the terms of agreement. Get back over to payment Solutions and the rep identifies the call record and notes, but her system went down which made her abilities to rectify the issue utterly useless to assist me further in this matter. The rep then tried to contact MsXXXX XXXX but the agent was reportedly not working on that day. I'm exhausted with Comenity as a creditor. It has not been a decent customer experience and I can not wait to satisfy my obligations with Comenity and be done with them and XXXX XXXX forever. I have yet to call back to try and find MsXXXX XXXX in hopes of resolving this problem as I ABSOLUTELY hate to call Comenity, it takes hours out of my day, and makes me feel ill. I have done as agreed between myself and Comenity, it is Comenity 's failure or breach in the agreement that " unwarrants '' harassing collection calls and an open account with Comenity Capital Bank/XXXX XXXXXXXX card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX  CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX Mr. Cooper Mortgage added a {$1100.00} XXXX XXXX  Policy to my mortgage acct. This policy was not for the mortgage at XXXX XXXX XXXX, XXXX XXXX Mich. XXXX. I had already renewed my homeowners XXXX policy on XXXX XXXX, XXXX  in the amount of {$790.00}. After calling XXXX XXXX and Mr.Cooper the policy was cancelled. However Mr. Cooper refuses to update my escrow account and the false charges have increased my payment from {$700.00}. to {$760.00}. I can not pay that much we are seniors on a fixed income and my husband is a XXXX Vet with stage XXXX XXXX.

Company response to consumer: Closed with explanation