vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX online, the vehicle was delivered to my address and the funds taken from my checking account. I signed all the documents the delivery person gave to me and uploaded all the documents requested by XXXX. A week later XXXX requested again proof of insurance in which I uploaded the same document they took a picture of at delivery and that I had already uploaded to them. Over the next couple of months, after numerous attempts to obtain a status of my title and registration, and after multiple requests from XXXX to provide even more documents that they already had, I never received my title of registration so I filed a complaint with the NC Dept of Justice and XXXX responded on the XX/XX/XXXX. They admitted there was a problem with the title, there legal team stated they were able to confirm the title was now ready for processing on the XX/XX/XXXX and that they would expedite my registration. XX/XX/XXXX I received a call from the advocate trying to assist me, after a few attempts to request she call me. She stated that the entire deal had been returned by the vendor for a title issue! It has now been almost 4 months, I've been driving on temporary tags and do not legally own my own car which was a gift for my daughter, totally ruined the surprise. 
I was told by the advocate that she has requested a self registration and will try and find out the process and can not give me an ETA. I informed the advocate of the letter from Carvana Legal and she was unaware of the statements they made regarding my title issue. NC requires the dealer to submit the registration within 30 days, I have now requested that Carvana either produce a good title that I can register in NC or refund my total cost for this vehicle, they have been deceptive and they stall knowing full well they had no right to sell the car to me in the first place, they were not the owner of the vehicle, to this day NC shows the vehicle in question being registered to the first owner out of XXXX NC. I need help in resolving this issue, because I'm out of pocket over {$16000.00} and can not obtain a loan on this car to pay myself back because I do not legally own it, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
I got an alert on my credit about this collection which do not belong to me, I have no knowledge or debt with this company. I contact the Collection agency and the representative could not find any information on me because I have no debt with this company yet it stills appears on my credit. I need this collection of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
I recently disputed a discrepancy on my Experian credit report on XX/XX/2020. I received a response back from Experian indicating the following : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
There was no proof from the credit reporting agency that anything was verified or how it was verified, however the documentation I have shows that in fact, the collection account is inaccurate and incomplete, which are grounds to have the account removed.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Received a call this morning on my phone number for my elderly mother. They stated she had debts owed. 
I told them, this is my cell phone, not hers and hung up. We have been getting a lot of elderly scams going on. 
I back traced the number and found that it was listed as two things, aggressive debt collection and scam. 
I then traced to the company name and called them. When a representative answered, I asked why they were calling my number for my elderly mother, he said she must have debts to pay. This is incorrect, my mother has been debt free for quite a few years. 
I asked how much debt was owed and was asked if I had Power of Attorney, I am not. When I stated that their company called me, and if they were willing to do that, they should be willing to discuss the debt with me. He refused, at that point I blew up on them and informed them I would be filing with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sent an email with SPECIFIC questions to Nationstar Mortgage two ( 2 ) times. I never received an answer to my specific questions from Nationstar. I tried contacting Nationstar by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions.

I asked the following questions : 1 ) What day of the month can I pay off this mortgage so that I will not have to pay any additional interest? And, on that day, what is the principal payoff balance?

2 ) {$35.00} was paid for a property inspection. Who was the {$35.00} paid to? What company? I never received an invoice from you or whoever this company was. I never received a copy of the inspection report that I am paying for. Please send a copy of the invoice for the property inspection and a copy of the inspection.

3 ) It appears from a previous payoff estimate I received that the {$25.00} Other Fees Due charge is for an expedited delivery fee. If I do not want expedited delivery, do I have to pay the {$25.00} expedited delivery fee?

I would appreciate an EXPEDITED response with ANSWERS to my specific questions from Nationstar Mortgage. I prefer to be contacted by email at XXXX. The email response should answer my specific questions, and NOT simply ask me to contact Nationstar Mortgage by telephone. Do NOT contact me by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FactorTrust, Inc.
State: TN

Complaint narrative:
I am disputing information found exclusively on my Factor Trust credit report. I received my credit report from Factor Trust and found several errors that are a result of identity theft. I have attached a copy of the dispute to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Went to a dealer, who unknowingly raised the price of the vehicle for about XXXX on me after I had given them a XXXX down payment in the vehicle. They knew I was XXXX cause my income is XXXX, I just went through a bankruptcy in 2019, and had a low credit score. They happily told me I was approved and quickly had me in finance to sign paperwork. So excited that I actually got a loan, I quickly signed. Not realizing the dealership raised the price of the car they listed it for for the amount of my down payment I just paid them for a down payment of the XXXX loan I thought I was getting. The loan was actually for XXXX. I tell the finance company this and they want proof of what the dealership listed it for, which is no longer in the internet. The dealership tried to charge me for taxes and tags again when they had it in the loan. XXXX XXXX who I financed the car from will not investigate this dealership or help me. Im on limited income of XXXX a month XXXX and my monthly car payment is XXXX a month. I need help!! The car dealership is XXXX in XXXX XXXX PA. The finance company they used to give me the loan is XXXX XXXX. XXXX XXXX told me that the dealer can raise the price well over blue book value if they want.

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 2021-01-14 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: TX

Complaint narrative:
XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have been using this card perfectly for a few months, I went to to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I tried to use the atm, to get money it did dispense any money, I tried again on the XXXX of XXXX and had the issue, I continued to use my card, perfectly fine for the weeks to follow, I filed a dispute for the charges and submitted the dispute form and supporting documents for my claim to XXXX. even after I filed the dispute my account was working perfectly fine, on XX/XX/XXXX I I tried to use my card, and it wasnt working, so I started a chat with a representative at money lion I was advised that I had to send my state ID and a utility bill as they wanted to verify my identity, I complied with there request, today I get an email at XXXX say that my account is being closed due to unusual activity on my account, there was no issue with my account or unusual activity until it was time for my account to receive a provisional credit for the disputes, my account was not closed due to unusual activity, but because they did not want provide the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The FCRA provides consumers the right to opt out of prescreened credit card offers, which I did, many years ago. Comenity Capital Bank failed to honor their obligations under the act, and sent me a credit card offer for a XXXX XXXX & XXXX credit card. 

Attached is a copy of the mailing for your inspection. 

Please have Comenity Capital Bank immediately cease and desist from such mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/20 I asked my bank, XXXX to reverse charges for XXXX shoes. On XX/XX/20 Xero shoes refunded my money in two parts. XXXX then reversed my dispute and rebilled me for the original transaction. Paypal says that I owe them since they did not receive the reversal of the dispute nor the rebilled. I have spoken to Paypal many times including having one of their Representive speak with a XXXX Representative. The XXXX Representative told PayPal that I do not owe PayPal anything because the money was sent back to Vendor 's bank account. Therefore the issue is between PayPal as the processor and the Vendor 's Bank. The amount PayPal says I owe is {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-14 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: IA

Complaint narrative:
XXXX has been incorrectly reporting payment history to XXXX, XXXX, Experian, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, XXXX, Experian, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), Experian has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was sold from movement mortgage to Mr. Cooper mortgage and I did not have any notice of this, therefore I was continuing to pay XXXX XXXX through my bill pay with my bank account. Now XXXX XXXX is not forwarding those payments to my new loan account through Mr. Cooper, and now it has been over 60 days. 
I have tried to contact movement mortgage on numerous occasions and once I tell them the issue the call gets disconnected. I know that it is against the law for them to withhold those payments that should have been forwarded to the new mortgage company. Please help as now Mr. Cooper mortgage is showing that I am past 60 days late. 
Also I asked my bank to send the proof of my payments to movement mortgage and mr. Cooper mortgage and they have. I have tried to follow up with movement mortgage and no response. 
Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
We need to complaint on the company Fair Collections and Outsourcing, they are collecting on behalf XXXX XXXX, a property management company for an apartment we leased on the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

When we moved out from the apartment, the property manager told us we would receive a notice with the calculation of the charges or refunds depending on the work required to fix or clean the apartment. we never received that letter or notice so we contacted the property manager to update our new mailing address, but they said they were working on the letter. After multiple attempts to get the letter or at least an update the property manager they stop answering our calls. 

Suddenly a collection popped-up on out credit reports, a collection with Fair Collections and Outsourcing who is collecting on behalf the property management company. Since the balance is over {$6000.00} dollars, we contacted this company and requested information about the account, they were not able to tell us the reason of the {$6000.00} dollars debt, they could not explain how the property management company calculated this amount. Also, we requested an itemized statement of the debt, but the collection agency refused to send it since they mailed one already, however we never received that letter, so we asked what address they mailed it and it turns they mailed to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the same address where this debt is coming from, after clarifying the address to the representative he confessed they received a return mail but anyways will not send a validation/itemized statement.

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 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cottonwood Financial Ltd.
State: ID

Complaint narrative:
I received numerous calls from an unrecognized number. When I answered on the fourth attempt it was a robocall but it said my maiden name so I listened. It was very vague, did not give a company name or any details but said that my credit was going to be affected if I did not settle. I called the number and a gentleman answered. He did not give company name or any information and started verifying my name, DOB and social. He said he had a copy of my drivers license and bank information. He said that I had taken out a loan through The Cash Store. It was confusing and he wasn't answering my questions so I just said, I filed bankruptcy so if this was mine, it should be covered under that. He said payday loans aren't always covered under Chapter XXXX bankruptcies because the company gave me money so I can just settle this with him now and be done with it. It all seemed very strange so I called back and a lady answered the phone but was extremely rude and aggressive and refused to tell me what company it was. I continued asking to know what company it was or for a statement to be mailed and she said by law she doesn't have to give me any of that information and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
My vehicle was stolen in XXXX of XXXX. My insurance company settled the loan amount with Nissan Motor Acceptance/Infinity Finance and paid off my vehicle. Paid in full. 
A year later I received a bill from a collection agency stating that I owed over {$500.00}. I called them and inquired about the balance. I explained to them that my car was stolen a year ago and XXXX paid the debt in full. They stated to contact my insurance agency on perhaps an error. XXXX sent me proven documentation that it was paid in full. In XXXX I refinanced my house and the same debt still appeared on my credit report. I had to just pay the debt so I could move on. Three years later it still shows the same amount of debt even after paying it. I have written many letters to Nissan Motor Acceptance. I hired a credit repair to assist and they have written letters, I have made phone calls and even written all three credit bureaus. There response today is that they have NO record. However, they are still reporting a charge off on my credit report. This is very unfair as I have NEVER been late with any car payments. My insurance satisfied this debt. I still paid it to move on hoping it would fix my credit. Even though I did not owe this debt. Today they are still reporting something a balance they have no proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate. XXXX  XXXX XXXX XXXX refuses to send a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with their obligations under the FCRA is a negligent violation.

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