vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX received a email from Paypal saying my balance of {$300.00} was on hold for 180 days and my account is now closed, with no details as to why. Only referred link to possible violation of terms, which is countless terms of various topics as to why accounts could be terminated. So shortly after contacted support via phone support, was told they don't disclose reasons as to why the closure, and have fair right to withhold funds on balance for 180 days even if with any non or current compliants ever on record against my current character as a person or consumer. Was told for myslef to file for supmonea to force them to supply why to me..Which is non-sense, one as lay person I cant directly optain Suponea from a judge. Would have to file police compliant then they file to prosecutor, and then prosecutor optains a would be suponea for myself. Which surely could take actually over a year to do. I don't know why they won't ever give a account holder as to reason why ever in any situation. In terms of exact mis conduct done by account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
BBVA Compass is reporting a deliquent credit card account that I never applied for.

It was opened XX/XX/2013 and had a credit limit of {$4000.00} and a balance of {$3900.00}.

The account is linked to an address in which I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX. The loan for this vehicle is handled by Bridgecrest LLC. In order to make loan payments, one has to register with Bridgecrest online. Communications with Bridgecrest online are not possible, because Bridgecrest never answers to any emails. I had an account with Bridgecrest before for a XXXX XXXX XXXX ( Loan # XXXX ).  This vehicle was discharged with my bankruptcy on XX/XX/XXXX, since Bridgecrest denied the reaffirmation of the loan. At no point, they notified me, that the vehicle was discharged and that i could give it back to them. I wanted to register and open an account for the XXXX XXXX, and to my surprise, I noticed, that Bridgecrest added the new vehicle to the old account. The purchase of the XXXX XXXX has NOTHING to do with the old account. I requested them to allow me to open a new account for the XXXX XXXX. Like always, no answer from Bridgecrest. I need to be able to open a new account for the XXXX XXXX ; putting these 2 loans together in one account is, in my opinion, highly questionable, if not illegal. I hope, FTC can get an answer from Bridgecrest. The XXXX XXXX needs to be removed and the account closed, since the vehicle was fully discharged in my bankruptcy. Bridgecrest needs to allow me to open a new account for the XXXX XXXX before XX/XX/XXXX, when the first payment is due. I will refinance the loan in the very near future, so I can get together with a more ethical finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/XXXX received email from paypal saying account was closed as to date and my funds in paypal remain on hold for 1/2 year. Spoke with support online chat window, support on the phone, support by email or refuse to disclose why, all refuse to even hold a simple dialog with me at all about matter. I have XXXX on my paypal account requesting imediate access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information and can not get my free credit report As of : XX/XX/2020 Report Confirmation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: Recovery Management Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2019, a hard credit inquiry was placed on my XXXX report by the referenced company RMS below. After researching this company, it appears to be an aggressive debt collection agency. My concern is how they got my personal info and most importantly, they have unlawfully ran a hard inquiry as I have not applied for any credit with them and was done without my consent or permission. I have never spoken to this company verbally or in writing. 


( XXXX ) XXXX ( XXXX ) XXXX RMS XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: MD

Complaint narrative:
My information had been exposed during XXXX 's data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and XXXX and Transunion have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and XXXX and Transunion have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both XXXX and Transunion unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from Transunion and 6 points from 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 non-monetary relief
Consumer complaint received 2020-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   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 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : XXXX Soft Inquiries Made on Credit File Description : On XX/XX/2019 two soft inquiries were made through an API from XXXX XXXX to XXXX  XXXX  and XXXX  through XXXX, both lending companies. I did not authorize these companies to access my credit file under any circumstances. ( Because I have been the victim of 3 data breeches, I am reviewing my credit files very closely ) The reasons I am aware of these inquiries is I received email notifications from both companies in response to the inquiry. I have deactivated my XXXX XXXX file and I would like these soft inquiries removed from my file by XXXX XXXX - I did not authorize them to be made. 

I contacted XXXX XXXX on XX/XX/2019, the day I received the email and XXXX XXXX   onXX/XX/2019. A rep at XXXX XXXX said, " I wasn't approved so don't worry about it '' and, XXXX XXXX responded via email with an ambiguous response. I do not have contact information for XXXX through 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 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a CitiAAAdvantage card that I have had for over 30 years. Never a single late or missed payment. Always pay off my balance every month. When it expired on XXXX XXXX I was informed the card was not being renewed and I would get a letter in the mail. The letter stated that my card was not being renewed because I had either a write off on another City card or I filed a bankruptcy somewhere along the line.. Both of which are totally false. They cancelled a Universal citi card that I had since XXXX  several months earlier when it was up for renewal for the same reasons!! I spoke to numerous reps from citi to no avail. I was told send copies of my credit reports to the citi credit complaint department, which I did. You do not get to speak to someone from that department to get a straight answer! 
My credit scores are over 800!! I have never made a late payment in my life including 2 current mortgages on my 2 homes 2 leased vehicles and several credit cards! I have no clue what they think they are seeing on my credit report but they refuse to tell me even after I sent them copies when I was told to do so by one of the numerous phone reps I spoke with.. I want a REASON why I am being put though this!!

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 2020-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
The company is not disclosing the pay off if I want to pay it off early. After researching I'm finding this is a tactic of tribal lenders since they are getting you for +600 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: ONEMAIN FINANCE CORPORATION
State: AZ

Complaint narrative:
On yesterday, XX/XX/XXXX, I received the results of a dispute I submitted with XXXX where I asked the repository to check with OneMain Financial regarding the accuracy of their reporting regarding an account I settled with the lender back in XX/XX/XXXX. The terms of the settlement which was procured by the attorney 's office representing the lender ( XXXX XXXX XXXX, XXXX ) stated upon receipt of the agreed-upon settlement amount, the account would be deemed paid in full. However, OneMain has not maintained the agreement and has continued reporting to the consumer credit reporting bureaus that I owe them {$1200.00} ( which is the amount they waived when agreeing to the settlement ). I am asking for this tradeline to be reported accurately ( either deleted or reported as a XXXX dollar balance owed ). I have upheld my side of the agreement and I am only asking for OneMain Financial to do the same. There is no outstanding balance and I have no further obligation with the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Problem : 3 ( Three ) Hard Inquires across my XXXX and XXXX from one single personal loan application during the in-person visit to a XXXX, WA branch of Wells Fargo. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I applied for a personal loan with Wells Fargo at XXXX XXXX XXXX XXXX. The customer rep. and the branch manager were extremely helpful and walked me through every step of the process. We submitted the application, which hit a Freeze on my XXXX record. Before unfreezing the record, my husband and I clarified with the branch team how many inquiries will be put in total on my credit report. Again, the branch team was extremely helpful. They called on the phone the credit department, where they received assurances that only a single Hard Inquiry will be placed on my account since the previous one hit a Freeze and thereby did not go on record. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today, I checked my account and I see not 1, not 2, but 3 Hard Inquiries from Wells Fargo : 1 ) One Inquiry dated XX/XX/XXXX on my XXXX  Wells Fargo-pl & I 2 ) One Inquiry dated XX/XX/XXXX on my XXXX Wells Fargo-pl & I 3 ) One Inquiry dated XX/XX/XXXX on my XXXX ( WF PII ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My application reference # : 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 2020-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I received undated Annual PMI Mortgage Notice to Mortgagor ( copy enclosed ) from my mortgage company Select Portfolio Servicing Inc. and called them whether my PMI can be cancelled. After my call, the company sent letter dated XX/XX/2019 ( copy enclosed ) that my LTOV dropped down to 64.60 %. 

As per annual PMI Notice my PMI should have been cancelled automatically when my loan reached 78 %. The company did not cancell till I submitted complain to CFPB on XX/XX/2019. 

At the same complain I wanted to refund the PMI I paid from the month loan reached 78 % as the PMI was not cancelled automatically. 

The company only cancelled the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
I have acquired student loans through XXXX ( XXXX ) and XXXX XXXX school ( XXXX ) education. I have had multiple loan servicers including XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX and now most recently FedLoans. I am currently in the PSLF program and have requested multiple times for over 2 years a count of my qualifying payments. Both of my employers through my residency program and XXXX XXXX XXXX are qualifying employers, but these 7 years worth of payments have not been counted appropriately. My payment plans have included IDR/IBR. It appears that with the changing of loan servicers my account had been put on multiple forbearance holds from XXXX, including administrative holds, to which I was unaware. This has negatively impacted my credit report and credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchants credit has called me multiple times before XXXX and I know that is against the law. This company would harass me by calling back to back up to 6 or more time daily and even called me at work, which is also against the law. After I told them I am not allowed to accept calls at work they continue calling, they even spoke to my supervisor who told them that I am not allowed to accept calls at work. I eventually getting in trouble for them calling me so much on my work phone. I have requested several times that they send me information regarding what they say is owed and to which company and they never provided that information which is also against the law. They have threatened to take legal action several times against me. The way that they talk to customers is ridiculous and sometimes needs to be done with this company.

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 2020-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services is trying to claim a debt for products I did not receive from XXXX XXXX  I set up my XXXX   account a few months before Christmas ; but I did not order anything at that moment. 

I relocated to a new home and I decided to order some Christmas items, before shipping it out. 
I called them to update my shipping address, but my billing address ( old address ) was the same on my credit cards. 

when the items were shipped, they gave me a XXXX tracking number. 
I didn't not know this, but they sent the items to the old address. 
once the tracking online said delivered, I didn't receive the packages. 
I called XXXX, they were no help and said to call the shipper. 
I called XXXX and That's when they told me they shipped it to the wrong address. 
I asked why, since I called to change it before I ordered anything. She didn't have an answer either. 

so I went by the old place ( someone else is living there ) and asked the new tenants if they saw or signed for my packages and they said they didn't have them. 

I set up a missing package case with XXXX and they performed an " investigation '', which was a waste of time. They came back with an internal review and stated they were not at fault and closed the case someone either stole the packages or the tenants at the old place had the merchandise I called XXXX back and told them everything that transpired and they said they'd be in touch. 

months went by and I noticed that SECURITY CREDIT SERVICES place a collections on my credit report. I HAVE NOT RECEIVED a dunning letter or anything. first it was the calls from disrespectful collectors but no letter in writing telling me they were gon na add anything to my credit report. 

According to the FDCPA Act, I have 30 days from the date of written notice to deny their claim, but I didn't get that opportunity. 

when I disputed with them directly in XXXX & XXXX, all they sent me was some papers without any type of signature or proof I owed this debt. 
I asked for : ( 1 ) Contact with my name on it. 
( 2 ). Full accounting of this account. 
( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

( 5 ). Proof they own the debt They have not provided me anything.. Instead they are shopping around this debt with other collections companies. XXXX ( another collection company ) is calling me now, about a debt that Security Credit claims they already own. 
HOW CAN TWO COMPANIES CLAIM & COLLECT ON THE SAME DEBT? 

all of this sound like violations. 

I will be filling with the FTC, AG office, and the XXXX  next.

Company response to consumer: Closed with explanation