vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
{$700.00} was sent to me through paypal by a real person who I met physically. He then tells paypal his card and phone was stolen a week later and files unauthorized use. Paypal debits the {$700.00} from my account resulting in a negative balance and a debt on its way to collections if I do not pay it. I have already submitted a payment to the collector who called me on their behalf. I should not be held responsible for a person trying to take advantage of the protection in place for people who actually lose their things. He is obviously lying and he did send me the money I watched him do it. My credit score is important to me I can not have this debt go to collections nor can I fully afford to pay such an unexpected amount in the 120 days which as I am typing its down to 80 or so left. Paypal refuses to help me and sides with the buyer/sender. I am unable to fight or respond to this in any form. He was able to open a case and have it closed in his favor with no defense allowed on my behalf in any form. I asked is there anything I can do they said no, and I owe paypal the money in question. This is ridiculous, I have done research and many others like myself have lost way more money due to people doing this to them in this exact same way. They make a purchase from you or send you money then turn around and say they did not do it. Then your stuck owing money to the company they used to to send said money. In this case its paypal. They will not help me I need some form of help. They even have in their fine print any problems you have with us they'll hire their own lawyer/arbitrator and you'll be billed for it and im sure he or she finds in their favor. How can they be allowed to do business like this and we the consumers lose no matter what and can not even do anything to defend ourselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: GA

Complaint narrative:
I have a loan with XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ERC
State: NJ

Complaint narrative:
I never had a XXXX phone. I cant afford XXXX XXXX.XX/XX/XXXX they put on my credit report XXXX is all i see for acct number. I need this removed its destroying my life and they said i must pay to delete it even if its not mines or it will ruin to credit. I told them i would call ftc they said so. I dont know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I was contacted on XX/XX/XXXX by XXXX XXXX XXXX stating that I did not make my XX/XX/XXXXpayment. I verified with my bank that my payment ( submitted through my bill pay ) was sent to XXXX and the check was cashed. XXXX shows record of a payment of XXXX on XX/XX/XXXX. This is the amount I sent. But XXXX says this was a warranty payment and was applied only to my principal, not to my monthly payment. In Later conversations, XXXX accused me of missing a payment inXX/XX/XXXX, then went back to stating my payment was misapplied. After 2 weeks and several phone calls I submitted a bank statement to them showing that the {$350.00} was drafted from my account. Collections continues to harass me almost daily. Now I have not made my XX/XX/XXXX payment yet because I cant trust that they will properly apply my payment and I have received no reassurance from XXXX that they will resolve my issue. I have told them I am withholding my XX/XX/XXXX payment until this issue is resolved. I fear that this will affect my credit. I have asked on multiple occasions to speak to a supervisor only to have the call dropped or get no additional assistance. They have a policy that customer service cant speak with people if their account is past due but how am I supposed to resolve this if I cant speak to them? I have doesnt countless hours now trying to resolve and issue I had no hand in creating. All I did was make my payment on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, The response I received from CitiXX/XX/XXXX does not resolve the issue that I had when I purchase a washer/dyer set from Sears. You guys are going off the the actually brick and mortar store price and the not internet price that I wanted. Again, when I applied for the account, I wanted the internet price and not the brick and mortar price. There was a technical issue when I didn't get the account number to pay online and no one would give that information to me to proceed with my internet purchase. There are phone calls that suggest this. Even the sales people in the store had no clue what I was talking about. So, after dealing with this inconvenience, I went ahead bought the the higher price merchandise for {$1800.00}. I know if a few hundred dollars difference but I'm not satisfied with this transaction. I need you guys adjust the amount I saw online back on XXXX, take my account of collections, fix the minimum amount due, fix the high balance, fix my credit 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 explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I have a home mortgage loan ( Loan # XXXX ) with AmeriSave Mortgage through " XXXX XXXX '' for the property address " XXXX XXXX XXXX XXXX , VA XXXX ''. This is my sole loan and I am the only person in " Promissory Note '', and as of now I am liable for the loan amount of approximately $ 360K. Originally, I gave third party authorization just to collect information about my loan for my ex-spouse to refiannce, and revoked authorization end of last year itself for my ex-spouse. Recently, I found last month XX/XX/XXXX that " XXXX XXXX '' processed " Loan Assumption '' to my ex-spouse without my knowledge and agreement. This Loan assumption process is going to keep my name in the " Promissory Note '' and my name will not be removed completely and keep liability issues, which will directly impact my security clearance ( As I am a XXXX XXXX ) of my livelihood. Since, they have done this process without my knowledge, I have requested a letter over the phone and by email today to both XXXX XXXX  and XXXX XXXX, so that I can to produce this letter in the court for evidence. I talked to XXXX XXXX ( ph : ( XXXX  ) XXXX XXXX   ) about this matter since he was assisting my ex-spouse in this matter. He re-directed me to talk with his manager XXXX XXXX  ( ph : ( XXXX ) XXXX XXXX ). I tried to reach XXXX XXXX  several times over the phone, left voice message and emailed to both to request the letter to produce in the court. But, there was no response and reply. I made a complaint to XXXX in vain for proper response and compensation.

Recently, now XXXX XXXX   from AmeriSave ( Ph:XXXX ), reached out to me by email improperly to manipulate the " conflict '' and " integrity '' of the existing loan, for which I am the only one responsible and liable, in order to help my ex-spouse with the guidance of ex-spouse attorney to cause further big damage to my finance, credit history, job and major money loss. This mal-practice needs to be stopped immediately and I need fair compensation for their mal-practice and process. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NV

Complaint narrative:
I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI, INC. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: GA

Complaint narrative:
On XX/XX/2018 I submitted an online dispute via Experian for collection agency XXXX XXXX XXXX XXXX. There were 3 duplicate XXXX XXXX XXXX collection accounts reporting on my credit report, 2 with positive information, 1 with negative information. I submitted receipts and information disputing the negative information. Somehow, the positive information was deleted, however the negative info is still active on my report. I contacted Experian explaining I did not submit a dispute regarding positive info ( why would I dispute positive info in good standing ), I'm disputing the negative information. The rep explained the company didn't respond therefore the positive information was deleted. In my opinion, they should have deleted the negative information as well. She submitted another dispute for the negative information. Coincidently they're claiming the company has now responded claiming the negative information is accurate. How did they not respond to the positive information, but somehow responding for the negative information? I feel I'm purposely targeted to have negative information reporting on my credit reporting. I don't understand why they delete the collection altogether for that account if they didn't respond to my initial dispute. Can someone please assist?

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 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: NV

Complaint narrative:
I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX.  When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On my Transunion account for XXXX XXXX it is showing two loans, and both loans being 5 months late. I only have one loan and it is current. XXXX said they are aware of the problem but do not know when they will fix it and it is ruining my credit.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I sent Santander Consumer a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that Santander Consumer, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TN

Complaint narrative:
Transunion is refusing to update account balances and update my XXXX score on these two credit card accounts accounts : 1. XXXX XXXX XXXX XXXX   Balance {$100.00}. Reported from creditor on XX/XX/XXXX.

2. XXXX XXXX XXXX XXXX Balance {$470.00}. This account should be reporting and update aroundXX/XX/XXXX. I have had past issues with these accounts not being updated by Transunion on time.

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 2018-06-04 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: IN

Complaint narrative:
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX I was XXXX overseas. While serving my identity was compromised and numerous accounts have been opened in my name. As a result, I now have several items reflecting negatively on my Experian report. I have included the items below. My unit has sent the attached notice to Experian as well as the creditors involved, and further legal action is pending. Please have Experian immediately remove the items below as they are affecting me negatively economically.

XXXX XXXX XXXX  Amount : {$14000.00} XXXX XXXX   Amount : {$22000.00} XXXX XXXX XXXX  Card Amount {$360.00} XXXX XXXX XXXX Amount : {$900.00} XXXX XXXX XXXX Amount : {$1300.00} XXXX XXXX  Amount : {$3200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Amount : {$2200.00} XXXX XXXX XXXX Amount {$730.00}

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 2018-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America keeps reporting a hard inquiry on my credit bureau reports from the 4 major credit bureaus, that is outdated.

The date of the inquiry isXX/XX/2016.

This is hurting my credit score and needs to be deleted.

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: MA

Complaint narrative:
Capstone Credit is reporting illegally to the credit bureaus in an attempt to collect on a fraudulent debt. They are not licensed to collect on a MA state resident. They were informed of their illegal activities via certified mail XX/XX/XXXX via 93A Demand, again in XX/XX/XXXX and again XX/XX/XXXX They have refused to provide validation of their claim and continued to report and attempt to collect in violation of state law : Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX has removed the item but TransUnion and XXXX has not. I've sent them I certified letters and they still have not removed the item.

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