vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is purposely charging my account extra fees in an attempt to make it difficult to pay down the principal of this loan. The vehicle was purchased in XX/XX/2018 for 36 months and as of today the pay off does NOT reflect the accurate amount as it is still over $ XXXX. 

All payments have been on time and in full but are not being applied appropriately. 

Santander is inaccurately reporting late payments to my credit that have not happened and mischarging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: The Phoenix Recovery Group
State: OK

Complaint narrative:
My lease was completed with town XXXX XXXX XXXX  and was on month to month when I moved out. I do not owe {$7000.00} one month if rent is not {$7000.00}. I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided. I am currently seeking legal representation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Applied Data Finance, LLC
State: NC

Complaint narrative:
I opened the account in XX/XX/2019. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. Personify has not reported accurately ( every 30 days ) according to XXXX. I have disputed this through XXXX  3 times and I am still getting the same results. In the process of disputing with XXXX, I also contacted Personify on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to XXXX  correctly and in a timely manner. Personify also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XXXX of XXXX. That is 8 months ago. I have exhausted all my options. I have contacted XXXX  filed 3 disputes, I have contacted Personify Financial to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
There are 2 late payments on our credit for XX/XX/19 and XX/XX/19. This lates occurred due to us being over seas and payment not getting to bank in time. We are now back and currently trying to sell our current home due to covid we are making less money and our trying to sell this home so we can purchase a smaller home that we can afford. With these lates on our report we cant close on a new home which will make us homeless if we cant get these lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have had a mortgage for 12 years with Mr. Cooper Mortgage. My current balance is about {$290000.00} due to added fees from a previous modification, which locked my interest rates very high. I have tried to refinance but the property is underwater - {$240000.00}. So I applied for another modification, such as HARP to lower the interest rates but I have been denied. My current interest rates are nearly double the current rates. I am undergoing financial distress but I don't want to default. Please assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently applied for a CLI, here is what I do not understand. I've been a CapitalOne QuickSilver cardholder since 2013. Since that time, I've never missed a payment period. Every other credit card on my profile has increased my limit. My oldest card, I can not get an increase. Seems to me that it's not worth having. Secondarily, I have paid off every trade line but two to a XXXX BALANCE. The score is not everything, this is what's wrong with modern-day America lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TX

Complaint narrative:
On XX/XX/2020 I used the Venmo App to send money to my family in XXXX XXXX to help them during COVID. I sent {$100.00} and it was debited from my bank account but it was never deposited into my family 's debit checking account. Venmo claims that it was sent to an active Venmo account, but my family did not receive the funds to their checking account. Their checking account was verified by depositing XXXX and XXXX into their checking then it was withdrawn but the {$100.00} was never deposited. Both of us contacted Venmo and our banks and no one has resolved the issue. It has been about a month. How do I as the sender get my money back OR make sure that the recipient receives the {$100.00}. I have contacted lawyers and Senator. I was led to also reach out to you. 

I appreciate your time in looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a BestBuy credit card through Citi, and had been making manual online payments directly from my bank account information that was setup in Citi. In XXXX I set it up to do auto-pay, and the first payment was to come out on my next payment date, XX/XX/2020. XX/XX/XXXX came and went as usual, I just assumed the payment went, it always did. I never got any kind of notification from them, but evidently they tried taking a payment ( the account shows a credit ) and then on the same day it showed a reversal in the same amount. I contacted my bank and they said there was no transaction attempted at all. Citi is claiming that it must have been incorrect banking information, but it was the same information I had used before, and it is the same information I used immediately after to pay off the account. It's bad enough they get you for a late fee after that and brush you aside, but then they reported it on my credit and now my score is roughly 60 points lower because of this. I have contacted them a few times, the first was essentially a brush off, the second time was when they blamed bad bank account ( which worked every other time but that one ). I'm not sure how my bank account information magically changed that one day for a payment not to work, but evidently it did.

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
There is a XXXX dollar outstanding collection from Transworld Systems ( XXXX ) on my credit report that is not from me. The collection is from XX/XX/2017. I have not had delinquent medical bills, notified of any outstanding charge, the charge is not mine. I notified the credit bureau, but they are unable to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Had a lady send me a contract for rental of a condo for this upcoming weekend. XXXX and requested paypal payment. I sent as she requested, signed rental contract and returned. Now I feel she is scamming me and i send thru paypal friends and family. I would like to dispute this for a refund. ive asked for refund and to cancel and they stop replying. The amount is XXXX paid out of my checking act. The dates of transactions Your recipient should have the money by XX/XX/2020. 
Paid with {$66.00} PayPal Cash balance {$1100.00} XXXX XXXX XXXX XXXX  XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$1200.00} Fee {$4.00} Total {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I visited location after receiving a bill. Employee, told me that I had purchased a tablet on my account. I never purchased a tablet, then he said it was a lab top, I never purchased a lab top. He did not show me the alleged receipt or my signature for this item. I made numerous telephone calls to XXXX, I was treated badly, left on hold for hours. Desperate I contacted the XXXX, as a result a man who stated he was from XXXX called me, tried to speak to him, but he was threating me, he was very nasty and rude. Never heard from him again. As a result they placed on collections for XXXX something I do not owe. I disputed this item on my credit report 3 times already, it was removed deleted all 3 times. However it was placed on my credit report again. I contacted the collection agency, AFNI, INC XXXX. XXXX XXXX XXXX, IL XXXX, spoke with XXXX, explained this collection is not accurate not mine, it has been removed and deleted 3 times. She was very stern and short, accused me of not contacting the police for identity theft. I told her I contacted the XXXX, after I tried to resolve with XXXX. She said she didn't care, this item was not sold to the collection agency, she stated it belongs to XXXX, and they can do what ever they want! She also threatened me by saying it was going to start being on my credit for 7 years. I told her that I was going to contact you the CFPB and she stated " you can contact who ever you want, but until you have a police report there is nothing you can do. She demanded that I provide them with a police report, wanted my home address and telephone number. She stated she would mail me paperwork to fill out and an affidavit. I currently live with someone who is battling XXXX, I'm limited to time, and the outside public exposure, I'm desperate these people wont leave me alone. I'm really hoping you can help me. I also contacted XXXX  to let them know they helped me dispute this item in the past, they know this item needs to be deleted. Why is it still in my credit report? I filled out a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: IN

Complaint narrative:
TransUnion, XXXX  & XXXX  have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX 2. TransUnion, XXXX   AND XXXX  have refused to remove an erroneous collections account from AFNI. TransUnion, XXXX & XXXX  are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( 1 ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to TransUnion, XXXX & XXXX  via Certified mail return receipt by the USPS. I am attaching the TransUnion letter that is the same letter sent to all three 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 2020-06-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24 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: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24 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: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastpoint Recovery Group, Inc
State: TN

Complaint narrative:
I was contacted by Ms. XXXX XXXX XX/XX/2020 from XXXX ( XXXX ) XXXX. She left a voice message and I called her back and told her dont contact anyone but me and that they needed to validate the debt by mail to me. She Also did not fully verify my name. She gave me two address for me and stated they had mailed out a letter on XXXX I believe. I told her I didnt get The letter which she replied That I should had. I again told her I hadnt got it. She said okay call me Friday when you get it. I never got a letter and have it set up where I can see all mail coming through usps. 
I was contacted again by Ms. XXXX today and I again told her I didnt get it. She gave me the address and I told her Im at the 2nd address and I didnt get it. She then told me that my account was going to legal at the end of the month if I didnt pay. I told her I did not get a letter please resend it. She said they had already sent it and that it was going to legal At the end of the month. I then told her that if it went to legal I would show up in court and let them know I asked for a debt validation letter and didnt Receive please resend it. She then offered to email it which I told her no and I want it mailed she because very irritate and basically threaten me that they would take further legal action against me. I dont remember exactly what she said but the call should of been recorded. After her statement I told her that I felt like she was threatening me anD that I need the debt verified. Once I said that she did not say anything even after I said hello but the call was not disconnected until I did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I started my direct deposit which will starts on XX/XX/20. I figured since I close out my other account I would setup my PNC account to my XXXX XXXX so that when my XXXX daughters who are in college need money I can get it to them quickly. Now, its blocking me from linking my account. I'm very unsatisfied and if I'd known that I could not link my account I would have stayed with my prior banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my 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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my 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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ross Financial Recovery Group
State: GA

Complaint narrative:
I received an email from Collection Agency ; ROSSFRG.COM requesting that I settle a debt that I've paid. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Smith, Cohen & Rosenberg LLC
State: FL

Complaint narrative:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. SMITH, COHEN & ROSENBERG/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Amount {$220.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC will not allow me to make deposits into outside investment apps like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
On XX/XX/2020 I was seen at XXXX XXXX. I presented my health insurance card as it had changed in XXXX. I specifically advised the person at the clinic and they made a photo copy of it. I received a bill in the amount of {$35.00} for this visit and noticed that the visit was improperly billed under my old health insurance. I also verified the information with my health insurance carrier and was advised that it was billed incorrectly. 

I tried contacting XXXX XXXX on multiple occasions and so did my mom. After dozens of unanswered calls, my dad contacted XXXX corporate and demanded that someone stay on the line until a member of XXXX XXXX answered the phone. After about 45 minutes, he was able to speak with a representative and gave them the correct billing information. 

XXXX XXXX XXXX never re-billed the account as they stated that they would and turned this over to collection. 

There should be a second bill for {$39.00} for a XX/XX/2020 follow which was also billed incorrectly. 

My dad contacted the Collection agency TransWorld Systems at  XXXX regarding this account and advised them to cease and desist any further collection attempts. The account number with TransWorld is XXXX. XXXX XXXX 'XXXX  account number is XXXX XXXX

Company response to consumer: Closed with explanation