vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
Hello, on XX/XX/22 I tried to pay off my auto loan. After speaking with XXXX different ladies I was told the only way to pay off the loan early was through XXXX XXXX, or mailed Cashiers check. I do not feel secure with either of these options. I complained by email to their customer care address and was responded to on XXXX that XXXX XXXX XXXX XXXX XXXX or XXXX check were my only options. I again do not feel secure using any of those XXXX options. 
I have begged to let me do a check by phone, or secure payment through the internet, but they refuse.They take payment monthly from my account but refuse to let me pay it off that way. I just want to pay off this exorbitant interest rate loan. 
The company 's name is United Auto Credit and they are based in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXX XXXX ) I have disputed this account as inaccurate with Experian, XXXX, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.

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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: UT

Complaint narrative:
Last month ( XX/XX/2022 ) I had requested and paid for a appraisal to cancel my PMI since it is now past the 80 % XXXX requirement. I paid on XX/XX/XXXX, and received a appraisal a week or so later. I called on XX/XX/2022 to see if there was a status update since I had not heard anything back yet and was informed by Arvest that my request had been cancelled by the investor. They also stated that I would need to apply again. I had not been denied and have not even seen any results from my appraisal. They had just flat out cancelled the request without sending me notice or refunding me the funds used to pay for the appraisal. I have a high confidence that my appraisal was going to allow me to cancel my PMI and that Arvest is just delaying as much as possible so that i continue to pay needlessly PMI out of my escrow. I have tried to contact the PMI department at arvest but have been unable to connect. I have requested they call me by both my personal email and by a in-house email from one of their customer service agents and have not heard anything directly from that department. Not that anyone can control where there loan was sold, but if its bought by them I would suggest trying to find other options or being aware that they are frustratingly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MI

Complaint narrative:
I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

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 2022-04-05 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: MI

Complaint narrative:
I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I recently paid off my mortgage ( address XXXX XXXX XXXX XXXX XXXX PA XXXX ) on XX/XX/2022. I have been attempting to call them and hold times are incredibly long and can not get anyone to assist me. There was an Escrow to Mortgagor Disbursement in the amount of {$4100.00} ( check ) that was sent on XX/XX/2022 that I have yet to receive at my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX or at my property address noted above. 

I am looking for assistance in attempting to obtain these funds. I maybe reached at XXXX or via email at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane.

Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}! 

Fifth third had the highest fees possible.

I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation. 

I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ).

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?

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 2022-04-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, XXXX and Transunion. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items 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 non-monetary relief
Consumer complaint received 2022-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, Equifax and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GA

Complaint narrative:
In regards to a mixed credit file. I have a twin brother and our reports were mixed up quite some time ago and the issue has not even remotely been solved. In fact, Equifax is the ONLY bureau continuing to mix our information. 

The documents requested have already been sent in, numerous times. 
On XX/XX/2022 I sent a copy of my passport and a copy of my social CERTIFIED and have receipt that it was picked up and signed for. 

Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Priority Mail 1-Day Mailed on the XXXX of XXXX and received on the XXXX of XXXX, signed for XXXX XXXX XXXX. 

Within the past month, I have called Equifax almost every day and the moment I get through, I am hung up on. Ive made it to a supervisor and also was hung up on. 

I have also requested that proof of ownership for all inaccurate accounts be sent to the address on file and that has also not happened. My file can not be located but it obviously exists since things keep being added to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
Mr. Cooper took over my home loan in XXXX with the first payment due in XXXX. My husband and I do not share bank accounts, therefore ; we each pay half of the monthly payment out of each account. The first time I made our payments, they were applied to principal. In mid XXXX I recieved a late notice, so I made another full payment. I called and they helped to adjust my payment and told me how to make the payment going forward. I followed those steps, and even made a payment early to ensure it would be applied correctly, and again, my payment was only applied to principal. I called again and was told that my account hierarchy could be changed to suspend the payments I was making until the full amount was recieved. Then, the other half of my payment came out, applied to principal, and they sent me a notice that I had funds in suspense and if I didn't make the rest of my monthly payment, they would return the funds that THEY suspended. I called again and was told that they don't even accept partial payments, then when I spoke with an escalations representative, they said the person that was supposed to change my hierarchy, made a mistake. No one at this company knows how the product works and people are going to lose their homes because of it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I Try submitting my FTC report to this companies online dispute portal. Every time I try to submit my FTC report they dont allow me to so now Im going to send it through the CFPB. 

This is a lousy company who doesnt do any investigations and want to willfully not comply to remove any accounts that are negative. 

My FTC report is attached along with my Social Security card and license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is an amendment to my recent complaint against Santander Consumer USA. I had received loan payment extensions and was Not informed of the additional charges ( interest, late charges and other fees ). They were sent me an email about some fees but the notice failed to explain additional fees associated with my account. Additionally they did not disclose to me the terms and other info that would affect ( impact ) the way my loan was being handled. Even though they record calls they do not disclose all actions being taken which has affected my loan significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Date of service XXXX XXXX bill from XXXX XXXXXXXX XXXX XXXX {$380.00}, XXXX bill from XXXX XXXX XXXX XXXX  {$380.00}, XXXX I called XXXX, was told that XXXX XXXX XXXX XXXX had to billed incorrectly, XXXX sent them a letter, XXXX AR Resources notified credit agency of a collection account in the amount of {$380.00} and sent me a letter of collection, XXXX I received XXXX insurance letter showing a copy of letter sent to XXXX XXXX XXXX XXXX  regarding submission of bill for {$380.00}, XXXX I called XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  related that they would contact AR resources and pull the bill back from collection pending XXXX payment, XXXX I received explanation of benefits from XXXX showing they amount they paid and the amount that I owe to be {$32.00}, I never received an accurate bill from XXXX XXXX XXXX XXXX, I never received an accurate bill from AR Resources collection agency, XX/XX/2021 XXXX XXXX XXXX XXXX billing was acquired by XXXX XXXX billing services, XXXX I saw the collection account on XXXX, I contacted AR Resources and paid the {$32.00}, AR Resources stated that once the payment was made that the account would be removed from the credit bureaus, they stated that they do not have a pay to remove option but that they would remove the collection upon payment and that it would take from 30 45 days, XXXX I called XXXX XXXX  billing services and asked for assistance with removing the collection account from my credit report. They stated that they could not do anything to assist because they were not the originator of the bill, XXXX I called AR Resources, I was told that I would just have to wait the 30 45 days for the collection account to be removed from my credit report. I asked why I was never sent a correct billing. I was also told that they had adjusted the amount from {$380.00} to {$32.00} in XXXX of XXXX  and that I should have called them to find that out. I was also told that they sent me a letter on XXXX detailing the payment are removal of the collection. I have not yet received that letter, IF this account had EVEN been properly billed I would have paid it. I do not feel that I should be penalized due to the errors by the original billing company, the collection agency and the secondary billing company. 

AR Resources stated that all of our calls were being recorded so they will have verification of the statement that they would completely remove the collection account from my credit report and my correct credit score would be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
keep calling us, even i stated we are XXXX XXXX  and demand the other side stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " Barclay Bank '' they are showing as a collection. As well as a company called XXXX XXXX showing the same. one shows I have a high limit of XXXX and Barclays shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these XXXX companies are significantly damaging my credit by not fixing these errors!!! And after at least XXXX certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went to XXXX on the weekend of XX/XX/2022. I noticed that my debit card was missing On the morning of the XXXX when I was at the airport. I checked my bank account and noticed that a charge had been made the night of the XXXX at a bar called XXXX XXXX  that I never went to. It was a charge for {$260.00}. I filed a claim with chase and they told me that they would investigate it and issue me a temporary credit. I just got a notice in the mail that my claim was denied and that they would be reversing my temporary credit which I cant afford for them to do. I was positive that it would be an approved claim since I wasnt there but chase banks reason for denying my claim was because the purchase was made using a chip card and they can not be faked. I told them that anyone can use a debit card at a bar. The waitresses run it as credit. No pin is used at bar from my past experiences. They told me there was nothing they could do. I tried reaching out to the bar that the charge was made at but no one will answer, or return my calls. Ive even emailed them as well and no one has responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GA

Complaint narrative:
someone is using my identity to get goods or services there are addresses on my credit file that do not belong to me. I do not live there nor do I have anything to do with them.

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