vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: OH

Complaint narrative:
This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below :  XXXX/XXXX # 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing, XXXX XXXX XXXX XXXX continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. XXXX including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account.

2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property XXXX continues to fraudulently inspect and erroneously pretend to service. XXXX has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I sent out a letter to validate my debt to Regional Acceptance. I  received a response today XX/XX/2020 with my account inquiry as well a letter that Regional acceptance sent to me previously with my balance on my account. In this letter it states that I owe XXXX on my account payment history it shows that I owe XXXX. Reporting wrong information is a violation of the fair debt collection practices act and a defamation of character.

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 2020-09-17 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:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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
Consumer complaint received 2020-09-17 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: NY

Complaint narrative:
Derogatory marks on the credit file

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 2020-09-17 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: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
The problem is with PayPal. 

They have seized my son 's money that remains on a balance equal to {$480.00}. They indicated that he is a minor, which he was up until 3 weeks ago.

Please note, during the account opening process, Paypal in no way sought to verify my son 's age. They were more than happy to open an account. On an ex-post basis, they used this to seize these funds. He has since turned XXXX and has sent his drivers license, which they refused to accept. 

They indicated they would release the funds within 180 days. 193 days have passed and they still refuse to release his money. 

They refuse to provide any documentation supporting their position, but still refuse to release his money. 

Paypal is a recidivist because it is economically profitable for them to be so. They don't care about complaints and simply hold funds hoping people just give up, and yes, at some point they do need to escheat the money, but not after they have earned interest on or have otherwise used these customer balances to lower their banking fees at XXXX. 

They maintain limited call center support and push all this back office work to offshore labor so the costs are irrelevant. I would guess 9 out of 10 parents just give up. 

Here is an idea. For every monetary complaint, so {$480.00} in this case, there are treble damages. My son gets his money back and Paypal pays the CFPB, {$1400.00}. 


They are just a bunch of miserable XXXX liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AL

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was trying to get a free credit report from TransUnion. In order to do this, I was required to create an account with them. I gave them all of my required personal information. They then require that I enter credit card details ( okay, I thought -- I wont be charged ... ). After entering this information, their was not a single reference to being charged. I was not told what services I will receive, I was not supposed to be charged. After I click on next, I was transferred into my dashboard. I viewed my XXXX XXXX transactions, and I see that I have a charge for {$24.00} from TransUnion. I emailed them, and I have not received a response. I disputed this charge from my credit card.

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 monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I purchase my home during the sellers market in XX/XX/XXXX. I put XXXX down and I realize paid points ect. today I feel like I owe more on the house than it's worth. I had falling behind they modified the loan added XXXX to end of the loan. I was owing XXXX now its over XXXX. I had money in suspense in XX/XX/XXXX XXXX don't know what happen to that I ask for an audit they sent pay history. there has been several foreclosure in the area and sales house is over XXXX more than its worth, they said I had escrow shortage I changed my insurance policy which lowered I paid an extra XXXX from XX/XX/XXXX t XXXX XXXX where is that money - that added lender policy when I had a policy for XXXX $ why. my acct need to be audited. houses in my development sold for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

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 2020-09-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Derogatory marks on the credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Notice for Proof of Claim Account : LINEBARGERBGOGGAN BLAIR & SAMPSON, LLP Casse No : XXXX To Whom it may Concern this complaint is submitted Under. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
I currently have no suspensions on my driver 's license and I have already made the payment to the proper jurisdiction to satisfy the state of Florida and the City of XXXX XXXX well over 7 years ago. This is quite possibly just an error in data updates or maybe an illegal re-aging of an old account. The date is XXXX for this account I am more than sure that the date of the last activity is nowhere to be found, because it would have shown that this account has already been PAID IN full TO THE COURTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: BANK OF THE WEST
State: TX

Complaint narrative:
I made a payment on the actual XXXX day, they still reporting the payment as 30 days late when the payment is made on the actual day, it is not 30 days past due until XXXX XXXX  on the XXXX day.

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 2020-09-17 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I took possession of a vehicle from XXXX XXXX. They took my XXXX XXXX XXXX as a trade. The payoff of my previous vehicle was not made timely from the dealer XXXX XXXX. On XX/XX/XXXX XXXX XXXX told me that they requested for GM Financial to correct any late payments to my account. This did not occur. In XXXX of XXXX I started the process of buying a home. I learned that GM Financial had reported two late payments on each of my credit reports. The late payments were for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the dealership to have them remove the late payments from my credit report. From XX/XX/XXXX - XX/XX/XXXX GM Financial has been contacted many times. They have even received a letter from XXXX XXXX stating that the late payments are not due to any action of mine. GM Financial refuses to remove these late payments stating that the loan is paid or they don't know how or won't do it. GM Financial has violated the Fair Credit Reporting Act. They have been notified that they should not be reporting any late payments but they refuse to remedy the situation despite the fact that I as of XX/XX/XXXX I no longer owned the vehicle they are reporting the late payments for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been making payments to Sun Trust Bank for two years I have been paying extra money towards the principal last year I called to check payoff. Amount of payoff was not correct manager looked into the problem said extra money was going to next months payment they fixed the problem.On XXXX XXXX I checked on extra payments again the same problem was back again I called sun trust but could not get any results to my concerns.My payments going to principal are not being applied correctly sun trust is merging with another bank if this problem is not corrected now it will be bigger problem for me to get corrected when they merge. Someone needs to look into this matter and make them fix there mess I am being charged interest on money that I am paying towards the principal extra money it not being applied to the pay off at the end of the loan. Thanks for any help you can give. 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 2020-09-17 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

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 2020-09-17 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AL

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

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 2020-09-17 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: AL

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Hello- On XX/XX/2020 I took my dog in to XXXX XXXX XXXX XXXX XXXX XXXX. When I went to pay, I sent a {$400.00} payment to them over Care Credits site. I had to do this as I could not give them a card due to covid and the desk person did not want to initiate payment on their end to ensure accuracy. On the site, they were listed twice but all the information was correct, so I chose one of the options thinking there was no difference. After about XXXX minutes, the desk person called me and said they hadnt received my payment. I told them I made the payment and emailed a screen shot. They said the payment went to their OLD account before they merged with another vet clinic and that I needed to pay them another {$400.00}! I called care credit immediately and tried to get them to drop the charge. They said that as long as the payment is not claimed by the clinic, it would drop off. It never did! 
On XX/XX/XXXX, I called the vet clinic as care credit had not credited the money back despite several calls about the issue. I waited a week for them to call me back. On XX/XX/XXXX, I worked with a staff member named XXXX. She worked with a supervisor and the corporate office to contact care credit and inform them that the {$400.00} charge was a duplicate and needed to be dropped. The corporate office kept records of the old account number and called and specifically named the account. On XX/XX/XXXX, I got a call from the Vet office saying that care credit emailed them back saying they are looking into the charge and will be crediting it back. 
It is now XX/XX/XXXX. 60 days later and they have either resolved or credited back the charges. There has been no provisional credit given within 10 days. 
I feel they are waiting until the full 120 days and will deny my claim and keep the money for themselves!

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 monetary relief