vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: NM

Complaint narrative:
Lobel Financial Corp was contacted on XXXX XXXX XXXX  regarding inaccurate information being reported to all credit reporting companies. The amount reported on credit reports : XXXX XXXX {$6400.00} XXXX XXXX {$6500.00} XXXX XXXX {$6600.00} XXXX XXXX NA XXXX XXXX {$6700.00} XX/XX/XXXX, XXXX {$6800.00} The amount they have on file is {$4100.00}. They agreed the the reporting amount was in fact different than the amount they have on file. 

They have continued to report inaccurate account balances. As of XXXX XXXX XXXX and more than XXXX months back. They have changed the account from reporting XXXX charge offs now to XXXX charge off. 
They have sent information/papers to file for " identity theft '' which was not requested. But failed to send documents regarding the discrepancy of account details. They are showing alot of inconsistent information, actions, reporting information, and continue to increase the balance due. 

Due to all of these circumstances I would like to request this account be DELETED in law to the Fair Credit reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery calls my cell phone every single day using a different calling number each day. I have approximately 30 different phone numbers they have called me from. I have a list of all the numbers that I can give you. I have repeatedly told the representative three different times to stop calling me. They ignored my request and continue calling me every single day, this is harassment to me. Further, I will take legal action if they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received a text message claiming to be from Equifax. The message came from XXXX. The body of the message read : FINAL FEMINDER : EQUIFAX Has Flagged Your Account For Unusual Activity. Last Day To Resolve, XX/XX/27 XXXX XXXX XXXX I didn't click the link. I never received any type of communication from Equifax for this to be a final reminder of anything. By conducting a search on Equifax I was able to find the phone number the text was from doesn't match their exchange. Some people may click the link in a message like this. Please stop whomever is behind this from pretending to be Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
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 2021-02-26 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: TX

Complaint narrative:
on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have had multiple issues with this car loan. They have taken extra money, said fees would be taken away due to bank error then kept the fees on the account, said they called me many times but I had no voicemail. My car was repoed due to all the issues, I had to pay money to get it out and then the fees that were waived are still on my account. Auto pay is set up and the first month it didnt get set up correctly, so my account went past due again. A supervisor fixed everything and then for XXXX the auto pay took out {$580.00} instead of the {$210.00} payment. Then someone else instead of reversing the charges, said a cashiers check for the {$580.00} mistake would be sent to me, and now my account is still past due and theyre asking for a {$210.00} payment. XXXX the supervisor told me that XXXX and XXXX payments and fees were taken out. This is not what I authorized to be removed. XXXX stated there are so many errors on this account I dont even know where to begin. I have a lawyer looking at this now. This has impacted my credit, which I disputed and it wasnt fixed, it is impacting my finances over and over and money is being illegally taken from my account.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by Transunion with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My XXXX payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.

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 2021-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I had a student loan thru XXXX XXXX for XXXX XXXX XXXX which i went to in XXXX and completed in XXXX. My original loan balance was XXXX and I started paying them XX/XX/XXXX. The loan was serviced by XXXX XXXX. I paid {$96.00} a month sometimes more, {$120.00}. I started my loan payments immediately and never missed a payment. I paid them off in XXXX. They were great and never had an issue with them. the rest of the tuition was covered by XXXX XXXX as I was a single mom and qualified for assistance. 
The problem is XXXX XXXX XXXX went out of business after that. There was some fraud issues and they kept poor records thus abruptly shut down. I paid all my obligations to them via governement grants and student loans. I have all documentation and the contract that shows this. Collection agencies purchased their debt and have been harrassing me for the student loan amount saying that I still owe it. I have told them on several occasions that it is false as I was still paying on the student loan debt and paid it off. They filed derogetory marks on my credit which i disputed with proper documentation and had removed. The debt has been sold to 3 debt collection companies ... the last one is CONVERGENT XXXX. Says creditor XXXX XXXX XXXX. They say i owe them {$2700.00} which was my loan balance from XXXX at the time XXXX when out of business. This is a scam. They have been harrasing and threatening me continuously. Calling my home, work, moms work etc. I told them my debt was paid in full and have proof and they said this is double jeapardy and i still owe them. They are aggressive and slander me in the calls. This is unacceptable. I am a XXXX mom and have worked so hard to keep my credit perfect and pay my debt. This is ridiculous.

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 2021-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
My mortgage is with Amerisave. I made my regular monthly payment, which was due XX/XX/XXXX, in XXXX. This payment included {$1800.00} to apply toward my escrow account. With this payment my escrow balance totaled {$5400.00}. 

On XX/XX/XXXX I paid off my mortgage in full. On XX/XX/XXXX I was issued a refund for my escrow in the amount of {$3600.00}. This amount did NOT include the escrow payment included in my XXXX payment. 

I have contacted Amerisave numerous times via phone and email. This includes an email on XX/XX/XXXX in which I provided a copy of the cancelled check from my XXXX payment. My last communication from them was on XX/XX/XXXX, when they promised they would respond via email or phone no later than XX/XX/XXXX. 

In addition, they have yet to provide me with a form1098 for XXXX as required showing the amount of mortgage interest and property taxes paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
There was an agreement in place as a result of COVID-19 for payments, which I was unaware had met its term until the late notification. Once advised of the payment status, it was brought current right away. I reached out due to the mis-communication regarding the agreement and thought the tradeline was corrected. However, I pulled my free report only to find that youre still being impacted with a XX/XX/2020 30-day late hit with the credit bureaus which has impacted your scores greatly. It is my hope that given the unsettling year 2020 was with the ramifications of COVID-19 ( in all aspects ) that Ally with have empathy at this time and reverse the XX/XX/2020 30-day late hit with bureaus.

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 2021-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

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 2021-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: OK

Complaint narrative:
I purchased an item on via PayPal on XX/XX/21 for $ XXXX. When on the pop up screen I noticed I was unable to chose my payment option. I then went to PayPal to check the status of my account. Everything seemed ok UNTIL I tried to add a bank account. I requested customer assistance. I have been blocked from messaging the company. I tried calling PayPal, they are NOT answering their phones. You can not message them via email, they will not answer their phones, their website is malfunctioning, and their automated system is having issues. They have blocked any effective form of communication. 

They have control of my money but I have NO access to remedy any issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
In XXXX of 2021, I recvd an alert that a derogatory account was put on my credit. After checking the info I notice that I hadn't ever recvd any info from this company Vance and Huffman LLC asking for any debt verification from myself to even advise if debt is mine or not. They have added info on my credit report claiming to be a collection agency with a balance of XXXX, without sending me a notice of a debt and that is a violation. Further more per checking the Secretary of State website this company doesn't show that it is even bonded to collect in the state of Texas. I would like the information removed from my credit reports immediately. This company is in complete violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card and XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received an email from a company purporting to be XXXX. Since I have an account with XXXX, I opened it. It turned out to be a scam from some source claiming to want to return my yearly fees. When I gave them my name, name of my bank, and last 4 digits of my checking account, they began to ask for their money and threading to acquire my investment accounts. This when I realized this was a scam and hung up. I then called my Bank, XXXX, and XXXX. No damage was done, and XXXX put a one year freeze on my account. The bank had mr change my user name and password. XXXX asked me to contact you and notify you. Thank you.I

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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
This is a complaint regarding failure to communicate by Google 's representative. I was promised that someone would reach out to me but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I spoke to two reps and a supervisor on XX/XX/XXXX with Transunion and was advised that they received my dispute XX/XX/XXXX, however they did not update my information or forward the information I provided to the appropriate department. They did not know why it was not worked on or updated when they received 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 2021-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Reliacard has refused to re issue me a lost card after following verification protocols with the State and US Reliacard. I have resolved any issues with the state. i do notricting access to my funds and account for more longer wish to have reliacard as my cardholder service as that is their wish, however my funds should be able to be removed from the card and the only way to do so is to transfer the funds into my account from the card. They have been holding on and restricting access to my funds and accounts for over 2 months. 

Please assist with a resolution.

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 2021-02-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card and Wells Fargo. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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