vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX/XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} 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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHNX FINAN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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:
I accidentally sent a transaction to the wrong friend 's account. Once I realized the mistake ( a few minutes later ), I asked him to send it back. He told me the money was not in the account. I contacted XXXX  to ask them to reverse the transaction. They told me they needed my friend 's permission since my transfer went to an " active account. '' My friend contacted XXXX while I was talking with XXXX   and gave them permission to reverse the transaction. XXXX  explained to my friend that his account was " frozen '' due to a negative balance as a result of prior transactions that XXXX  could not recover from his bank. XXXX  's payment system " automatically '' applied my payment to my friend to his debt being held with XXXX. I've called XXXX  to ask them to credit my account and revise my friend 's balance with them, which would make things right between all parties involved. XXXX REFUSED. I escalated to a supervisor twice and each time XXXX  's representatives told me my only recourse was to hound my friend in person or outside of XXXX 's service to get reimbursed. I find it unacceptable that XXXX has no process in place to protect users of its services from mistakes or human error, or that they could contemplate running a payment service transacting in billions of dollars per year with absolutely no mechanism to reverse incorrect or otherwise misplaced transactions. I've paid XXXX for their services and have an account in good standing and I think I should be entitled to some process or claims procedure to have my money reimbursed. XXXX  can still pursue debt collection of my friend in any way they see fit, but " automatically '' applying payments received by an " active '' but " frozen '' account and then claiming to have no way whatsoever ( I asked specifically for a room of humans to get involved and make a decision and they said no ) to reverse the transaction is unacceptable. 

On top of that, I suspect this practice violates a number of debt collection laws. My friend attests that he was never made aware of XXXX 's holding of a negative account balance against him. When he logs in to his account, it displays {$0.00} and not a negative amount. XXXX  representatives told me it was a common practice to take any deposits coming into an account and apply it to negative balances held first. I said that this is not the same as my friend making a deposit on a power bill in arrears. They took my money and used it to pay down my friend 's debt, all without me or my friend knowing!! That has to be violative of a number of rules and regulations, and if it isn't, IT SHOULD BE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Vehicle was repossessed in XXXX of 2019. I was told the vehicle was released to the auction XX/XX/2019. It is now XX/XX/2019 and I have not received a sale notice, a notice of the company keeping the vehicle, or any letter of that fact. I have called XXXX XXXX XXXX and american credit acceptance and they both said they don't know where the car is or if it has been sold. I have updated my current address with the company so they can not then come back and say they sent to it to my prior address. 

" For a public sale the lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale the lender must notify you of the time after which the vehicle may be sold. In either a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount plus the repossession costs before the sale. '' This company has violated rights of the consumer which is me. 

I demand information on the said forth vehicle and a deficiency notice if the vehicle has been sold, how fee 's were calculated and where and when the vehicle was sold and for how much. My credit report is then for to be updated properly on all credit bureau platforms and to immediately stop reporting unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I ordered a article from XXXX and used the flex pay option to pay with my credit card. It was denied. Today I received a letter stating that they did a credit check using that credit card. I called customer service today and they stated they did not run a credit check on me. I disagree and I never authorized XXXX to run any type of credit check.It does not say anywhere on this site that this would be done. It improper use of my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Will SOMEONE read this carefully? Your questions are wrong. That's part of the problem. I raised the credit limit on my two cards to raise my credit score but instead it was LOWERED. 

And there seems to be no way to dispute a credit SCORE. Once the machine makes up its mind, THAT'S IT. 

Listen to my story. I bounced a check around 45 years ago because I made a mathematical error in my checking account. That's the ONLY mistake I've ever made. I have two credit cards, the second is just to raise my score. I pay every bill within 24 hours of receipt. I've never owed a XXXX except for my mortgage which I paid on time every month -- and eventually paid it off. I live in XXXX so I never needed a car or a car loan. 

I'm a multi-millionaire, though I'll admit, just barely. 

I told this to TransUnion, but they said I'd have to pay for my credit score. I said I already had it from XXXX XXXX, but TransUnion said their score would be different. It was EXACTLY the same. Either the woman lied, or it's company policy to lie.

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 2019-03-15 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Purchased a package for XXXX XXXX and XXXX XXXX. The company was horrible and don't even have a business location in the US. They offer a 100 % guarantee and when I asked for it they said they would give me it but months later they still wont. I submitted a dispute and was told it was denied because I got the service I paid for. When I called to see why they said it was filed erroneously amd should have been filed as a 100 % guarantee failure to pay. I resubmitted it and then they denied it again saying it was too long to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I  called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TCF NATIONAL BANK
State: NV

Complaint narrative:
I have been denied using the online payment services because I put in accidentally the wrong account number because I have problems with my vision. Both times I had to call them to ask why my can payment was still on my account. Them once time I was late because of medical problem was to sick to get out to send my payment ... It got to a total of {$520.00} before I was able to pay it ... 
I have to go through XXXX to pay my car payment which cost me an additional {$11.00}. 
I am elderly and sick which I informed them ... My loan is for 36 months and it expires in XX/XX/2019..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
When I was married my ex wife and I we get a car so I'm the principal, then we get divorced and we signed a paper when I'm not responsible for any action of that car, and my ex wife didn't pay, miss payments, incomplete payments, back pay, but now they called me that he dealer get the car and they sold it already on a auction, but my question here is, they can sell the car with out my signature? Because I'm the principal on the loan, and they said that they sold the car on {$9000.00} dollars and some so they said that the balance is like {$14000.00} and they said they willing to work with me and they discount me like {$4100.00} so that's normal that they sell the car with out my signature? So they asked me to pay in full in 6 months, almost every time when my ex didn't pay the monthly payment they send me a letter when she miss pay and this time when they went to pick the car up and they sold it on some auction, they didn't called me or letter or nothing, but now they calling me to pay the difference of the money, what should I do?

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 2019-03-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I ran into trouble with my mortgage back in XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XXXX of XXXX. They are reporting late 's as of XXXX of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.

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 2019-03-15 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I filed a CFPB claim against XXXX XXXX XXXX reporting an auto charge off that is reporting after the statute of limitations. They sent a letter to me on XXXX2019 stating that this account was sold to the third party NCB Management and consequently they are not able to take any action. Now I am filing a complaint against NCB for reporting an account that is over 7 years from the date of last activity. I have included the letter from XXXX to prove that this account is over 7 years old and they can not do anything as this account was sold to NCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loancare LLC purchased my loan from XXXX XXXX under the same terms, our monthly mortgage payment was {$770.00}. This month it has gone to {$940.00} when I called to find out what was going on I was told taxes in my county had gone up, our payments for two months would be {$940.00} then {$870.00} every month. Raising our payments $ 1300 yearly. I contacted our county regarding this ; our taxes in this county have not gone up for over a year and it certainly wouldn't make it XXXX more a year. I called Loancare and asked to speak with a supervisor XXXX told me the same story until I told him I had contacted the auditor and this was untrue ; then it became and " estimation '' of what taxes we could pay in the future but we would have to pay now. When I declined we are not paying for an estimation we are not using it became we owe " back taxes '' they weren't pulling out our taxes and now we needed to pay that. When I asked what happened to the money we were paying the taxes with they " needed more ' even thought they were never raised. I tried to make a payment in the amount of {$770.00} until this was sorted out is not able to online or automated payment phone system requires the full amount. I tried to pay over the phone with an agent was told they don't accept partial payments and there is a {$15.00} dollar over the phone fee plus now a {$10.00} late fee making our payment {$980.00} due now. They have no basis for this increase and every story they have given me is untrue now my mortgage is going to be late.

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 2019-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Person calls and says Im going to be served papers. Ive never received any indication that I owe a debt. 

Some guy named XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: NV

Complaint narrative:
On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX  profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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: NV

Complaint narrative:
On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my Experian profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XXXX XXXX and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.

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