vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: NC

Complaint narrative:
I have been going back and forth with XXXX and Experian for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull 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 2020-08-12 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: MD

Complaint narrative:
Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and 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 2020-08-12 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: NC

Complaint narrative:
XXXX 2020 PayPal - negative {$1400.00} XX/XX/XXXX Transfer P PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with Balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XXXX XXXX, 2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Conn's, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and 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 non-monetary relief
Consumer complaint received 2020-08-12 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and 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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report that arent associate with my name XXXX XXXX or my address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: GA

Complaint narrative:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

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 2020-08-12 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a loan with XXXX, XXXX XXXX, and SYNCB/TJX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and SYNCB/TJX with no successful resolution. There was definitely an error on their part.

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, CCB/CHLDPLCE, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, CCB/CHLDPLCE,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: RFNA, LP
State: LA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
I have a loan with CALIBER, XXXX XXXX, and  XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CALIBER, XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
On XX/XX/2020 my home had roof damage from a severe thunderstorm. I immediately contacted my homeowners insurance to file a claim. I had 3 roofers give me estimates for the damage and I submitted a bid from the roofer I choose. My insurance approved the estimate of {$9700.00} minus the {$1000.00} deductible. On XX/XX/2020 I received a partial payment check for approximately {$5900.00} and the insurance company said the balance would be paid upon completion of the roof. The check was written to me and my mortgage company. I contacted my mortgage company and was told via phone to mail my check to them and they would endorse it and return the check to me. Over 2 weeks later they mailed back the check ( not endorsed ) and stated I and the contractor had to submit 14 pages of forms, I had to endorse the check and sent all the information back to them. I submitted all the required forms and returned the insurance check which I endorsed and the mortgage company received the package on XX/XX/2020. I called the mortgage company every other day and spoke to 4 CSRs 2 supervisors to get them to send a check to pay the roofing contractor. I have finally received a check of {$2800.00} on XX/XX/2020. Now I have to go through another lengthy process for them to release more funds. I am living with tarps protecting my home and we have had several severe storms including a tropical storm and fear additional damage to my homes interior. In addition my roofer is understandingly not happy since we have had to postpone repairs due to my mortgage company 's delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Loan began XX/XX/XXXX. I have always paid XXXX XXXX monthly, {$34.00} extra each month ( which has never been applied to principle ). I have also made extra payments each year. For XXXX, XX/XX/XXXX and XX/XX/XXXX I made no payment, and my statements for those months had {$0.00} balance due. In XX/XX/XXXX, the total {$950.00} payment was applied to finance charge, as has each successive payment for the year XXXX. I called in XXXX, XXXX and XXXX trying to get my account corrected and have had 3 different solutions applied. I was promised, on my last call with someone names XXXX, that my whole account would be recalculated, the {$34.00} extra monthly payment applied to the principle and appropriate principle and finance charges adjustments made. I was told it would take care of the problem of my payments from being wrongly applied. My principle did change and adjustments to my payments for XXXX, XXXX and XXXX were made. But again in XXXX and XXXX, my total XXXX XXXX  monthly payments were applied to finance charges. My interest rate is supposed to be 4.5 % simple.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a checking account at Capital One 360 for 12 years with no problems. 
In XXXX of this year, they blocked my access to my online checking account. 
I called Capital One 3 times and once spoke to a manager. 
They said it was because I would not give then a phone number in order for them to text me. 
My account is an online account. I would rather they send me an email. This has been sufficient method for 12 years. 
I do not want to buy a smart phone so that they can text me. I am XXXX years old and don't want to wrangle with the complexity of a smart phone. 
For them to block access to my account during the pandemic was very crude business and created hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I sent a Account Validation letter to Hunter Warfield and it was received in there office on XX/XX/2020. Hunter Warfield is reporting a debt on my credit report and they keep reporting that the balance increase by {$1.00} and then decrease by {$1.00}. They are blatantly attempting to re-age this account and keep it on my credit reports and this is a clear violation under the FDCPA. The information they sent me is not showing where this is my account. That is not an address that I am aware of residing.

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 2020-08-12 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: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I have a loan with NYS OTDA, DUVERA FIN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DUVERA FIN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation