vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Reviewed my credit report and saw Creditor Velocity investments on it without any information about the debt. Did not receive any mail about this debt.

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 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XX/XX/2020 Called OneMain Financial XXXX branch where I took the loan to make sure payoff check was received, spoke to " XXXX '' on the phone and they received the payoff check. XXXX claimed the check was received and then started going into collection practices and started asking me when I could pay more money on the loan. I asked him please don't ask for me for money right now, then proceeded to ask about the GAP insurance, he immediately told me I came in and signed a form cancelling the GAP insurance, this is not possible, because I've never signed any form to cancel my GAP insurance. If a form was signed it was not from my hand and was most likely fraud on OneMains part. He then stated I needed to talk to the manager to pay off the rest of the loan, I asked XXXX to never talk to me again, because he is trained in improper collection techniques by OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
under previous case XXXX we attempted to seek assistance under the CARES act ( Section 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan regardless of delinquency status ) I was informed that the loan was not covered under the act see response under previous case ( attached as exhibit ) There response clearly stated that this was " not '' a federally backed loan and that a balloon payment was necessary at that time in the amount of {$5600.00}. I had to borrow the funds to bring the account current to avoid being foreclosed on, based on the response they provided myself, as well as, the oversite agency responsible for protecting me the consumer. Today, I received correspondence contrary to the previous case stating that the loan is in fact covered under the CARES act. ( Attached as exhibit ) Select Portfolio Servicing is in direct violation of the CARES Act and directives from the XXXX XXXX XXXX XXXX in the previous response and result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Service INC reported me as a joint signer on an auto loan which was reported as opened on XXXX/2020. The loan amount reflects XXXX with a scheduled payment of {$420.00} this loan does not belong to me nor have I co signed on any loan.

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 2020-07-29 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX, XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
Sage Stream is a company that reports information to banks based when they trying to open a new account. They are reporting negative information on me that should not exist. I do not have any closed bank accounts and they will not respond to my requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2020 I made an online purchase for {$17.00} from XXXX XXXX XXXX. The telephone number is XXXX. When I did not receive the item about a month later I called and the phone number is disconnected. I can not find the company. 

My complaint is against US Bank XXXX. I called to dispute the charge and originally they took it off while they investigated. This was in XXXX. Then on XX/XX/2020 they re-charged it and I got a letter saying I agreed to the charge. THAT IS FALSE - I NEVER AGREED TO IT BECAUSE I NEVER GOT THE MERCHANDISE AND THE COMPANY DOESN'T APPEAR TO EXIST. 

I also had another charge that was fraudulent and apparently they determined that this wasn't fraud because I ordered it. BUT I said I wanted to dispute it. 

I have called numerous times and I keep being told that is it being investigated and a supervisor will call me back - NO ONE CALLS ME. They also say they can not take it off my charge because they took it off once. This has been going on since 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 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is 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 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: AZ

Complaint narrative:
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX  MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: VA

Complaint narrative:
from XX/XX/2020 till today XX/XX/2020 I have sat on the phone for hours waiting on someone from my mortgage company GREGORY FUNDINGt o tell me why they had not paid my county taxes that is included in my mortgage. Since XXXX XXXX they tell me every time that they will make sure it is paid. I call back several days later to checkon it and it has not been paid. THEY WERE DUE XXXX  I called today XX/XX/2020 and it still has not been paid. 
How do I get away from this company. They are very dis organized. I have never been late paying taxes. This is bad business!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: ERC
State: AL

Complaint narrative:
On XX/XX/2020 i called ERC spoke with a rep who offered a settlement of XXXX $ to have account removed and updated on my credit report. I never received email or an receipt for my payment. I called back rep advised me the payment was successful and account was noted but account wasnt updated in the systems that it was paid in full via settlement offer. Account is reporting incorrectly and hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit
State: AZ

Complaint narrative:
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX MST  and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
We had a lease XXXX XXXX with BMW Financial Services, which we were making all our payments on time. Then the car was part of a XXXX  which XXXX XXXX considered a " XXXX  XXXX  '' and they were paying BMW Financial for the vehicle. This was around XXXX XXXX XX/XX/XXXX time frame. I never heard back from BMW Financial from that day on. So in XX/XX/XXXX, we returned my wife 's XXXX XXXX lease to the dealership, and on XX/XX/XXXX we received our final billing of the lease which I called in the same day to pay off, after paying off my wife 's lease with XXXX, the representative asked if I was interested in paying off my other lease, I told him I did not have a lease with XXXX, that my XXXX was owned by me. He said there was a balance due for the XXXX XXXX that was totaled in the accident. I total him that XXXX XXXX paid it off, and he replied that their was still a balance for overage of mileage and lease turn in fees. I asked why no one called me, or emailed me, or sent a letter, he told me that a letter was sent out in XXXX, and I told him I never got it. I asked if it was sent certified mail or by XXXX or XXXX, in which he stated was just regular mail. I said ok, well what is the balance and paid him that day in full. I decided to pull my credit report and noticed that BMW financial reported to my credit bureaus agencies that I missed over 12 months of payments, and my account was in collections. Now how can some company report that I missed payments without sending me a bill each month? Or any type of letter of the debt I owed? XXXX is saying they sent a letter, but have zero proof of this letter being sent, no tracking nor certification of delivery. In read some credit laws, I thought New York and Florida laws stated a creditor must send their clients a bill at least quarterly of the debt owed to them. I never even got one letter but they said they did just 1 letter, plus my account was sent to collections but I never got a call, email, or letter of a collection going on. 

I think BMW Financial Service has the responsibility to show their clients actual proof that they sent a bill, invoice, or letter of the debt to their customers, and not by show us a copy of the letter. There is zero proof it was mailed and zero proof that I received one. I never missed a payment in my life and now this is affecting my credit score. I tried going through credit bureaus and better business bureau and XXXX response is they sent a letter once and its a courtesy if they want to contact me about a past due balance. If that is true, then how can they report missed payments each month to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX  XXXX a credit XXXX  service and myself have requested to remove all negative trademarks on my account, instead American express sends me all my account statements for the past few years, this is not what I requested, I am on a payment plan with American express and this should be shown, in account rating it states derogatory I want that removed on all 3 credit bureaus and account rating state paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX XXXX and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT Equifax no Im not happy I need to know who removed XXXX account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XXXX/XXXX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to Equifax credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
I received a Netspend prepaid XXXX card as a XXXX  gift in XX/XX/XXXX. The purchase date is unknown. The person that gifted me the card did not include the cardholder agreement. Upon attempting to activate the card on the Netspend website on XX/XX/XXXX, I was given an error message and instructed to call the customer service line. Upon making contact with a customer service agent, I was informed the card expired on XX/XX/XXXX. The card states it is " GOOD THRU XX/XX/XXXX '', which I pointed out to the agent, who informed me the card has a 120 day expiration ( she did not explain what the expiration was or why it expired ) and the date on the card is the shelf life of the card. When I informed her the card was never activated and there was no indication of an expiration date on the card, I was told I could be issued a check but a {$4.00} fee would be deducted from the card. I requested the fee be removed as there was no indication on the card itself of any fees or expiration dates associated with the card. She told me there was no way to remove the fee, so I asked to speak with a supervisor. She informed me I could not speak with a supervisor as everyone was taking calls and the supervisor would not be able to assist with removing the fee. I asked her to put me on hold to wait for a supervisor and instead of being put on hold I was rerouted to enter my card number for activation. I entered my card number and received a message that my card was invalid and the call disconnected. After the call ended I searched the website for a cardholder agreement and was unable to determine which cardholder agreement was associated with my card, as there were many options but no indication of how to find the long form ID that would indicate which agreement to choose. There is nothing on the website to show there are expiration dates associated with card activation or that the date on the card is the shelf life. All I request is to receive the full {$50.00} amount I was gifted.

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 2020-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Please see attached letters sent from my attorney and myself to resolve the matter. Issue has been the bank inappropriately charged flood insurance on the property. Countless hours were spent trying to resolve several issues with them. Basically it seems the servicing rights must have been sold during the process or their is fraud in the matter. Account was charged for insurance that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to refinance my home and just found out that PNC Mortgage, has a lien on my home in the amount of {$5000.00}. 

Attached is a copy of the modification papers showing the unpaid principal amount of {$21000.00} and the new amount of {$4100.00} being added to the principal amount ; however the added amount of {$4100.00}, was put on my home as a lien. IT SHOULD HAVE BEEN TAKEN OFF AS SOON AS IT WAS ADDED TO MY PRINCIPAL. PNC MORTGAGE IS BEING PAID TWICE. 

Also XXXX  XXXX, paid PNC Mortgage the full new principal amount when they took over my mortgage account. 

My next complaint with PNC MORTGAGE, is the fees for transferring my account to XXXX XXXXXXXX in the amount of {$1400.00}. WHY DO I HAVE TO PAY THE FEES FOR PNC MORTGAGE TO TRANSFER MY ACCOUNT?? PNC Mortgage is charging me for something that I DID NOT REQUEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I completed a Sears Citi Shop Your Way credit card promotion where I had to spend {$50.00} within the first 30 days of account opening to receive a {$40.00} statement credit. They told me it takes four to eight weeks to receive the credit. Eight weeks have already elapsed as I completed the spending requirements on XX/XX/2020. I still have not received the {$40.00} statement credit. Customer service keeps giving me the runaround, stalling and trying to delay the payout 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 non-monetary relief
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 4 XXXX  XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts

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