vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
In XX/XX/2016 I purchase a XXXX for {$18000.00} that was financed with XXXX XXXX. As soon as I purchased the vehicle I began having problems with it. ( For ex. XXXX XXXX, which would shut down other elements of the vehicle if not properly repaired XXXX The company never fixed it. After several attempts and threats to bring in the news media, I was given a temporary car as they repaired it. A week later the car shut all the way down as I was driving. Managed to get the vehicle home and they sent the car back to the XXXX dealership costing me an additional {$300.00} for the repairs as they paid the remainder of the balance. After about 2months, the car shut down again. I was given the option of trading the car in but with a new down payment amount, which was ridiculous considering this was the same issue I was having when I initially purchased the truck. After days of negotiations, the truck was return and I was left holding the bag. The truck was apparently sold at XXXX and a balance remains. The debt was then sold to a collection company that is threatening to take me to court for the remaining balance on a truck the I never had the opportunity to enjoy. This is unfair and is probably happening to consumers across the nation. It is predatory lending at it's best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been a customer of PayPal ( PP ) for YEARS and have provided them a copy of my : 1 ) Drivers license 2 ) Linked my PP to an American bank ( XXXX XXXX ) 3 ) Linked my XXXX XXXX XXXX credit card And now PP is asking me to give them a bank statement to provide my identity. 

How is this acceptable? 

I can go in to any bank and open an account with a government issued ID or If I get pulled over by a police man/woman - they would accept my government ID. 

I want to close my PP account and never transact with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXX 2021

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
3. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Receiving 3 calls from different numbers in the same hour from the same Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved. 

On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns. 

Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days. 

TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason. 

Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one. 

As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem! 

I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX. 
I have tried 3 weeks to solve with TD Bank, I sent ev

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A Auto Loan From XXXX XXXX was opened in XX/XX/XXXX and TransUnion has been reporting as bad debt since XX/XX/XXXX I have reached out via mail to TransUnion to verify the inaccuracies and have not gotten a response in over 30 days.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX  which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX  report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached the paid in full letter, and screenshots to substantiate all of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX  account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sold crypto currencies on Coinbase worth XXXX {$8900.00} XXXX between XX/XX/XXXX and XX/XX/2021. I have been unable to withdraw these funds ever since. It is now over a month from the original transaction. I have filed complaints with Coinbase, but Coinbase has not responded to my inquiries in any meaningful way. I feel like they have effectively stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan has been on Autopay since I first purchased this investment property. We did do a forbearance during COVID. After taking it off of forbearance ( I received threatening calls about taking it off and they pretty much made me do it. However I was financially able to come off of forbearance ). After coming off of forbearance I received a call again from this company saying that I owe them all the money from when I was in forbearance. So this issue was somehow resolved by putting It back on Forbearance then removing it off of forbearance and putting it on the back end of the loan. We went back to Auto Draft as usual. The XXXX payment was taken. ( I was not aware that they never took another payment since XXXX. All my payments for everything including my other two mortgages are on Autopay ). I received a letter in the mail today saying my payment hasn't been made since XXXX and I owe all these fees. My bank account is always with money. I own rental properties. I don't know why they didn't take their money. I was on the phone with a supervisor and the call was somehow disconnected. They never called back. I called back again and now Im still on the phone waiting. Someone just picked up. I have been on the phone a total of 1 and a half plus hours. I am now being told that they will take the payment but will not give me anything in writing stating that this was an internal issue. I have a refinance coming up and the lady just told me this is on my credit report and has been for over a month. She said she will ask for the late payment to be removed and the late fees to be escalated but she dont know what will happen. I just paid my regular payment and I do not trust this predatory company after all I have been through with them during COVID there is no telling how many other people they have done this to to try and get extra money.I want the late payments removed and I want those fees waived this is not my fault and I have gotten my attorneys to look into this with the intention of filing litigation.

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 2021-03-25 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: CA

Complaint narrative:
On the XXXX of XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XXXX of XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XX/XX/XXXXXXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on 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 2021-03-25 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:
Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NC

Complaint narrative:
In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XX/XX/XXXX and XX/XX/XXXX I remained in the hospital until XX/XX/XXXX. I was still XX/XX/XXXX and on and off again XX/XX/XXXX. ( documentation provided XXXX. I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXX and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/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 2021-03-25 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: NC

Complaint narrative:
In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the XX/XX/XXXX for XX/XX/XXXX XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XXXX XXXX XXXX XXXX XXXX XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XX/XX/XXXX due to a lXX/XX/XXXX and on and off again XX/XX/XXXX( documentation provided ). I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXXand two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: IL

Complaint narrative:
In your response to me on complaint XXXX you said that you have no validation or proof from the previous agency. Now I am asking why your company is still trying to collect the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Prosper Marketplace, Inc.
State: UT

Complaint narrative:
I recently received an email from Prosper about a loan? I was very confused as I have never heard of Prosper and they sent an email stating I applied for a loan but was denied. I never went through a process or asked for any loan through them. I'm not sure why that popped up but they must remove the inquiry from my credit. I never applied for a loan and quite honestly, I'm very concerned that they received any personal information.

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