vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was paid for a service and/or services in the months of XXXX of 2020. I had a buisness account with this company. I was also a XXXX. I was covered as a XXXX, however some of the digital services i offered were not. This company asked me provide info for certain transactions. I had provided this exact same info in the past a few different times. This last time my account was closed due to SUSPECTED fraudulant activity. I was never given a description on how, what or who was involved besides myself. I, however, provided all of the requested info, which they already had. I feel i should have been given an explanation on this activity. If there was any fraud involved it was not on my part, in which i was covered under my XXXX  account. I feel this was highly unfair. Never had any of these problems with this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I contacted XXXX XXXX and Bull City about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I contacted XXXX XXXX and XXXX XXXX about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2020 I contacted my bank Chime because my bank card and personal information along with other critical and important items were stolen from my car while I was home on bed rest recovering from a XXXX XXXX. I notified my bank and the vendor listed nothing has been done I have Audio of the banks own staff confessing that the bank did not fully review my information and everything I submitted had proven my case. Im very frustrated its 10,000+ missing from my account and nobody thought to freeze my account or call from the bank to confirm the spending with me the actual account owner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have a perfect payment history and a great credit score. Yet, for some reason Goldman Sachs/Apple has blocked all future spending on my card. I cant get any answers from them. The only thing Im being told is we will mail you a letter at some point. This is in really poor taste especially during the Pandemic for someone located overseas that needs access to funds. I have no idea what to do or what I have done to get restricted. If they planned to issue me a card for only such a short time I would never even have applied for it and allowed them to do a credit check ( which decreases the score significantly each time that happens ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX dollars its credited but took the fee for rush the card and the card still not validated. I been send the document several time. XXXX, XXXX, XXXXXX/XX/XXXXand XX/XX/2020, agent us bank reliacard told me send again its say 5 business day. But already disputed and credited to my bank card but I can not use my fund. Ok, 6 send selfie and driver licence and XX/XX/XXXX send again say two business day will take the block on the card. Up to present and I had letter girl fraud investigation that the error is been fix and the case close. The company is usbank reliacard PA. Unemployment. Please need 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 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX u tries to use my card it was declined. I called the number on the back of my card. Ams it says my card has been reported stolen when tring to order a new card it directs me to a representative upon speaking to some one they laugh telling my account is frozen and i will no longer have access to the account. they suggested sending a copy of my id amd ss card and again state that. There will be no way for me to access my funds which total the amount of XXXX dollars.. When asking wjere the. The money goes they again laugh telling me that the money will gonback to the state and i will not be able to get it .. The money is from my unemployment oregon .. I have call unemployment and they refer me back to the bank.. I need help. what can i do to get my money out of this account and into my personal checking account.. This can not be right what they r doing. The prepaid card that the unemployment deposites my benifits to is the usbank relicard. I have since changed futer payment to be deposited to my personal checking. My usbank relicard has XXXX dollars of my unemployment money on it .. So basically they r telling me they r keeping this money laughing about it and there is nothing i can do about it.

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 2020-10-21 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: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
Hello. I was on the phone with my current auto insurance company, XXXX and that we were working on a new quote for my new car I recently purchased. Came to find that my 6 month policy cost was too high for my budget. I asked why and said I had two violations which I was confused about. Said one on XX/XX/2018 and XX/XX/2018 that it was reported as CLUE. I think this is a mistake because my car was stolen on these two dates however I never reported to the insurance with a claim. I never had my car brought in to check/fix. I got my car back after both dates but never had it fixed. It was not a loss. This doesnt make sense to me. I dont need any additional stress/money on myself. IT was not my fault that my car was stolen on these two dates. The car was recovered and was still drivable. 

Please help me out to fix on this situation so I can get my new insurance policy on my car. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC
State: VA

Complaint narrative:
I had a 36 month lease with Volvo Financial for an XXXX. The lease had an option to buy the vehicle at the end of the lease for {$34000.00}. I've been working with the dealer to finalize the paperwork for the purchase and I noticed the amount due was off, it was too high by about {$640.00}. I investigated and found that Volvo Financial failed to credit a payment I made towards the property taxes for the car, so it was adding on the {$640.00} to the back end purchase price. 

I've made numerous calls to Volvo- every day- to get this resolved. Every time I call I get a new agent who tries to help and then they refer it to the accounting department and tell me to wait 3 days for the records to update. I called yesterday and was told that the account was updated. I looked and the amount due for the purchase had not changed ( i.e. it was not reduced by {$640.00} ). I was then told that because my lease had expired on XX/XX/13 I now owe an extra monthly payment because I still have the vehicle. The only reason I still have the vehicle is Volvo has dragged its feet by not updating the purchase price so I can buy the car. I was told the issue would be fixed and someone would call me back. That has not happened.

I need assistance from the CFPB. Volvo has a responsibility to properly allocate payments, update records, and respond to customer inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President
Donald Trump on XX/XX/2020.

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 2020-10-21 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: TX

Complaint narrative:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by CRA XXXX use of an Experian credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit bureau is in violation of UDAAP ( practicing deceptive practices XXXX. I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as XXXX frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I leased a vehicle through Ally bank. At the end of the lease the vehicle was returned to a dealer per instructions from Ally. However there was no option to pre-inspect the vehicle to assess if any excessive wear and tear that will cost extra, and Ally does not actually tell you if you owe anything for excess wear and tear until the vehicle is sold at auction (! ) which could be weeks ( or even months? ) after the vehicle is returned. 
This seems to me to be unfair and unreasonable practice. 
As a buyer I should be entitled to a per-return check of the vehicle ( so that I can decide whether to fix any issues myself ) and a speedy ( on the spot during return or within a few days ) assessment regarding payments for excessive wear and tear, as well as a process to contest any alleged issues.

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 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Not my account. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. 

PENN CREDIT CORPORATION # 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 2020-10-21 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:
Experian has XXXX " open accounts '' on my credit report that they WILL NOT UPDATE OR REMVOE! 

Account # 1 : a PAID OFF CAR LOAN with " XXXX XXXX XXXX XXXX '' ( car loan PAID OFF in XXXX, 2019! ) Account # 2 : an account I NEVER OPENED with " XXXXXXXX XXXX '' from 2019. 

Experian has MADE IT IMPOSSIBLE TO REACH A HUMAN BEING TO DISCUSS THE ABOVE TWO ISSUES!

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 2020-10-21 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
i never received an item from XXXX  they refunded my card nad now the charge shows again i emailed XXXX they say they refunded money end fo XXXX yet XXXX shows up on my upromise card i emailed 10 times i get scripts no help and its till there i will not be using either barclays card for some time due to poor service refund XXXX as to XXXX XXXX XXXX, i want XXXX back from steemer for poor service not delivering on what i asked they said they would BEFORE i agreed to purchase which is a form of deception since neither are done i am unable to use both cards. I resent them email from XXXX as to XXXX on upromise still no refund. help

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 2020-10-21 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: CT

Complaint narrative:
I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX  account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo recently denied credit XXXX XXXX XXXX, XXXX, NE involved in corrupt business practices. 
XXXX XXXX, a lending company with XXXX XXXX XXXX ( XXXX, NE ) was used to obtain personal information and is attempting to use that information in ACH scam. 

There have been additional violations to my credit ; all after, I cleared my credit through Federal Banruptcy filling XX/XX/2018. 
Absoulutely, nothing should prevent me from gaining creditworthiness.

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 2020-10-21 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: CT

Complaint narrative:
I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.

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