vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corporation has had my account listed as closed since it was transferred to a collection agency back in XXXX it has since been reopened ( XX/XX/XXXX ) and they have recently reported me 120 days past due which is inaccurate since there has been no activity on the account since XXXX. They are not even the ones housing the account it has been sold to a collection agency so they are reporting this illegally to the Bureau per the Fair Credit Reporting Laws .Every time I call them they have a different excuse / dispute process and wont give me a proper timeline to resolve the issue even though i have been told multiple times that the information would be deleted and updated. It should be updated that it is in Collections not 120 days past due.

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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Pnc does not support XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/18 I was trying to use the app to get a little cash before I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: TX

Complaint narrative:
A debt collection appeared on my credit. I traced it back to a school that I attended, but all my classes were under fed student loans. This amount of XXXX is false and XXXX is not working with me to remove this. XXXX has removed this from my credit. I do not owe this money and I am current on my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched : XX/XX/XXXX usaa Collection Letter. usaa Closed CFPB XXXX XXXX. I MADE THEM AWARE I DID NOT OPEN THIS ACCOUNT & I requested the Dr 's License Original Signed Contract usaa DISMISSED. usaa CONTINUES HARRASSING COLLECTION ON ID THEFT. see attatched statement MC end ( XXXX opened XX/XX/XXXX ) WITHOUT VERIFICATION. Balance {$100.00} NOT MY ACCOUNT. see attatched XX/XX/XXXX VISA CARD OPENED WITHOUT VERIFICATION end ( XXXX **CREDIT CARD FRAUD CLAIM ** UNAUTHORIZED TRANSACTIONS. ** I DID NOT OPEN THIS ACCOUNT XX/XX/XXXX, XXXX ) See attatched 1099-C CANCELATION DEBT XX/XX/XXXX USAA USED MY PRIVATE DATA FROM THIS ACCOUNT TO OPEN THE OTHER TWO. USAA HELD ME LIABLE FOR THREE ACCOUNTS DURING SAME PERIOD.XX/XX/XXXX I call to stop collection attempts. CLEARLY USAA does Not verify this account belongs to me. Rep informed me they can not speak to me anymore without me sending my license. I refused. Rep says are you a member of usaa.? All members are being required to send in LICENSES to update old info. I DO NOT WANT TO BE A MEMBER ANYMORE. USAA OPENS FRAUDULENT ACCOUNTS THEN COLLECTS ON THEM DURING A COUNTRY VIRUS EMERGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
We sold our house, and close on XX/XX/XXXX. I contacted New Rez to request a payoff statement. After about a week and a half, a few emails and phone calls, I finally Had them fax it to me. Theres now an option to get it online that wasnt there before. 

The first two people I spoke with at the loan servicing dept. between the end of XXXX and about XX/XX/XXXX, when I finally got my payoff statement, both told me that there was a {$3600.00} debit added to the payoff statement because the first county tax was sent on XX/XX/XXXX. I questioned them over and over again about why that amount wasnt taken out of my escrow that has close to {$6000.00} in it, and neither could answer. Neither one could give me any kind of verification or receipt that the first county real estate tax was paid. 

Last Monday, I got a hold of the county tax assessors office to try and get a receipt for the tax payment, but they said they have g received anything yet. 

I called New Rez again. and asked for verification that the county tax was paid, and now this rep, and her supervisor told me it was never sent. I first asked him to send it out, but he said itd take 7-10 days or longer for receipt verification from the tax office, so then I asked him not to send the tax payment it since it was too close to our XX/XX/XXXX house closing date to verify receipt with the tax office. He said he could make a request not to send the delinquent tax ( not actually due here until XX/XX/XXXX ), but he couldnt remove it from the payoff statement. I tried to explain the whole thing, and asked him again why it didnt come out of escrow, but he couldnt answer. 

So now, at closing I have to pay title company the first county tax of roughly {$3600.00}, and I have to also pay New Rez fhe same {$3600.00}. Thats an additional roughly {$8000.00} I have to come up with at closing when I shouldnt have to pay either because my escrow balance should have covered that tax. 

So New Rez is getting the {$3600.00}, just to give it back to me instead of just removing it from the payoff statement. Sounds a little questionable to me. My last bank screwed up my escrow and if took me months after we refinanced to get some of it back. 

Could you please look into their payoff and escrow handling, and also why the first county tax wasnt made on XX/XX/XXXX like it was last year? Its hard for me to believe that they cant remove the county debit from the payoff statement. 

Sounds fishy to me. At least Im not in a situation where I need the extra {$8000.00} right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: WI

Complaint narrative:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and there negligent noncompliance or willful noncompliance with the law. On XX/XX/XXXX Experian was reporting XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} as a collection account on my credit report. This account was deleted off my credit report. 
On XX/XX/XXXX Experian reported the following collection account XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 
Since this is the same account that was already disputed and removed from my credit report I am demanding this account be immediately deleted from 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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was having financial trouble and a loan company placed a levy on my PayPal Account. Once I paid the loan company off, their attorney and I have made several attempts to have my PayPal account freed of any restrictions or limitations. We both have provided copies of the attorney 's statement to release the levy ; we have done this TWICE! PayPal has still refused to acknowledge it. The attorney, XXXX XXXX, has has tried calling the PayPal legal department on different occasions and can not get through or a return call. i have money in my PayPal account that I can not access, as well as I need to access other things with it. I have went through the Resolution Center so many times and each time I get someone who gives me a phone number to call to resolve the issue. That phone number is for XXXX XXXX, the attorney who is trying to get them to abide by his release, it's not even with PayPal! They also refused to email me a transcript of the messages. They don't listen, and I am frustrated!!! Please help! 

Thank you, XXXX XXXX XXXX PayPal username : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Error by retail store caused Fee 's on credit account from XX/XX/XXXX thru XX/XX/XXXX. I was never notified about any fees or minimum balance due and company never reported late payment s from XXXX but when I made payment to close account in good standing they then reported one late payment for XX/XX/XXXX which is incorrect. I did not owe anything to this company and after I paid something that I did not owe they then report as late payment. this company comenity bank has committed fraud and falsely reported incorrect info to credit bureau and wont remove. They reported multiple times that this was an error and they did make some credits to account but when I request the account to be closed they retaliated by reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I check my credit report and I see midland has purchased and account that I had years ago with XXXX XXXX XXXX and now they're trying to collect {$580.00} and report the account as open .I receive social securirty and I'm not paying thm for and account they purchased for their monetary gains

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
I was contacted by Convergent Outsourcing Inc XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. Convergent placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by XXXX XXXX  about the same {$1200.00} fraudulent XXXX account. It appears the Convergent resold my debt after they received proof that it was fraudulent.

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 2020-06-18 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: FL

Complaint narrative:
The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had an account with web bank years ago and I became ill no longer able to work so I couldn't pay my account.Then months later I started receiving information from a portfolio recovery stated they purchased my old account this was in XXXX and it's showing in my credit report this account is open but but web bank been closed the account of a balance of {$470.00} and portfolio recovery purchased it to make money off the old account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, PayPal had frozen my account when I tried to transfer money into my older account. They refuse to allow me to transfer fund. They have my account frozen for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are incorrect addresses on my record. I tried resolving this issue with the company, but they said that ID information did not match. They asked for creditors with whom I have loans and the most recent payments. That information was given and I was told it did not match what they have.

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 2020-06-18 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: CL Holdings LLC
State: SC

Complaint narrative:
I cancel my phone service with XXXX on XXXX and they still reporting on my credit scores as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.

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 2020-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.

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 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I had 6 medical bills that were about {$100.00} or less. These bills were paid by Insurance and I was never sent the amount to be billed from XXXX. XXXX XXXX XXXX in XXXX  never sent it to me in a timely manner to my new address in XXXX   instead these small bills went to collection without me knowing. They were paid off in full and removed from report immediately from the other bureaus except transunion. They should not be on my report any further. I disputed them. The agency was also to take them off after I paid them because of all the errors in such small amounts on medical bills paid by insurance and balance subsequently paid immediately by me once I was aware when my report was pulled. Transunion should not still have these 3 small medical bills on there that have been paid off and were put into collections in error & one of the accounts has the same dollar amount and the last account digits are the same so  it may be a duplicate so that doesnt make me happy. 
If the other bureaus can remove the hospital and the collection agencies mistakes on a completely paid account then transunion should too. Thank you.

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 2020-06-18 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: M&T BANK CORPORATION
State: DE

Complaint narrative:
I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from M & T before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that M & T reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that M & T reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get M & T to correct it and they refuse.

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