vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX Auto, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, XXXX and Experian to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My daughter is XXXX years old. Venmo does not permit minors to open an account. However, she opened an account by lying about her age. 

My daughter is using Venmo, overdrawing from her checking account and incurring fees. Clearly she is not mature enough to handle this level of financial responsibility. As her father, I want to protect by daughter my closing the Venmo account I contacted Venmo via online chat on XX/XX/2019. They said they would not speak with me about my daughter 's account until she contacts them and gives permission. 

My daughter will not call Venmo and take actions that ultimately lead to her losing the account. I am stepping up as her parent to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I obtained the loan back on XX/XX/2019 with Consumer Portfolio Services and since have been in contact in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other varies dates indicating that this contract was obtained fraudulently. The car was damaged and possibly rebuilt title and this information was not disclosed to myself. When dealing with the finance company - Consumer Portfolio Services, I have given all the information that clearly shows this was dealer fraud and they will not cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
I am approximately 2 payments behind with Regional Finance. I paid them in XXXX. I asked if there were other payment options that I could afford, but I was told no. The company repeatedly calls my phone or job multiple times per day. If they can't get an answer from the store that issued the loan, they will call from other Regional Finance store somewhere else. I have received numerous calls on today already. I'm asking for them to work with me to establish a reduced payment. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I am a victim of Identity Theft. 

XXXX is reporting a collection through Diversified Consultants XXXX for {$1800.00} that is not mine. 

Police Report has also been filed : Report number is : XXXX I have tried contacting XXXX, Diversified, XXXX, XXXX and XXXX and am not getting this account researched and resolved. 

It is preventing me from getting the credit I deserve and needs to be deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. 
Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. 
Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. 

The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. 
Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. 
Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2019 I transferred {$500.00} from my PayPal account to my bank account, The transfer never came through, I called my bank and they have no record of seeing the transfer so I checked with PayPal and it shows Pending, I called on XX/XX/2019 and got the run around, According to PayPal, Im the XXXX customer to have a problem with a transfer that day. 
I gave them almost a week to sort it out, I called XX/XX/2019 and they still have no explanation, and no way to resolve the problem, I asked to speak with a Supervisor and I get the same run around, no one knows how to fix the issue, or what the issue is, I asked them to put the money back into my PayPal account/cancel the transfer, they refuse to do anything at all. They wont even transfer me to the fraud department so I can try and resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
To Whom It May Concern, I bought a cruise ticket of XXXX XXXX XXXX XXXX XXXX XXXX ( promoted as XXXX cruise ) from XXXX XXXX XXXX ( XXXX ) for {$990.00} on XX/XX/2019, which was scheduled to sail to XXXX, XXXX, because I wanted to visit XXXX on cruise. But two days before departure, XX/XX/XXXX, they informed us that they are not going to XXXX but to some unknown private island instead. Then I contacted XXXX immediately and told the XXXX representative that what I wanted and booked is a cruise to XXXX not to some private island. I wanted to cancel my trip and get refund. But he did not allow me to cancel even though the cruise lines policy gave all the passengers of cruise going to XXXX the option to cancel and get full refund. I told them several times that I wanted to cancel the trip and get a refund. Then I called my credit card company, XXXX XXXX, and told them the story and they did a chargeback. I did not go to the cruise. About one month later, XXXX sent me a collection letter in the amount of {$1400.00} ( I have no idea how {$990.00} had become {$1400.00} ) in the name of Fidelity Information Corporation, which listed the same address of XXXX, basically stating that I do not know where this debt {$1400.00} comes from. If they report it to a credit bureau ( or have already done so ), please indicate that it is disputed. I sent this letter by certified mail but it was returned as Return to sender attempted not known unable to forward. Today I found out that they reported to credit bureaus, at least TransUnion. 
When I booked the trip I just give the representative my credit card number. He did not give me any their policy and we did not sign any contract or agreement. I did not provide my SSN. 
It is ridiculous. They were not able to provide the service I booked ( cruise to XXXX XXXX so I canceled the trip and did not go. The credit card issuer did a chargeback for me. How could XXXX try to collect {$1400.00}, {$450.00} more than {$990.00} ( I have no idea where this comes from ) and reported it to credit bureau ( s )? They did not even say where this {$1400.00} comes from and why I owe them this sum of money. Are they allowed to do that? Can they just make up a sum of money at their will and send you a collection letter and report to credit bureau without any evidence? It is legal? If not, should they be punished accordingly? 
Thank you. 

Best regards. 

XXXX 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 2019-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Submitted an application to Franklin Credit Management Corporation in XXXX. We received a denial letter on XX/XX/XXXX denying our application for not having enough income. We had 30 days to do an appeal. On XX/XX/XXXX we submitted pay stubs ( new employer for XXXX XXXX my wife ), one profit and loss statement XXXX XX/XX/XXXX, and room rent. On XX/XX/XXXX we received another letter denying our appeal request because of the income. The income on the letter is not right. XXXX XXXX the account representative was absolutely rude and accused us of trying to manipulate the file. That is a big accusation from this person. We are trying to save our house. How dare can he accuse us of such a thing. XXXX XXXX was evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
We made multiple attempts over the last 6 months or so with Freedom Mortgage to attempt to have our PMI removed after we were told we met the appropriate criteria. We were told to email a specific account to receive information for approved appraisal companies. I emailed multiple times and called. I was told it would then be mailed to us and it never was. My husband made our XX/XX/2019 mortgage payment and accidentally typed in the wrong account number. It was processed by never went through. Once we learned of the mistake we made the payment by XX/XX/XXXX. Unfortunately, my credit score dropped by 97 points. It was an honest mistake and we have never been over 30 days late on our  mortgage payment before. I would like to have it taken off of our credit report. Additionally, I wanted to see the PMI removed but now that we had this missed payment that wont likely happen. We are looking for any help we can get in this situation. Thank you

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 2019-09-11 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: TX

Complaint narrative:
I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have had a Discover card for about 9 years now and just now became aware that I had been signed up for their Payment Protection Plan without my consent. They have been charging my account between $ XXXX {$30.00} each month and I had no idea about this. When I contacted them they cancelled the plan but told me they would only offer me a refund for the past 6 months, which amounted to {$200.00}. However, I know from my statements that they have been charging me for this for at least the past two years, and I am assuming for the entire time I have had my card without me knowing it. Judging by this, I believe they most likely owe me a much larger amount than only {$200.00}. I was told there was nothing they could do as far as a further refund goes, but I believe I am owed a full refund for the total amount they were charging me without my knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I would like to file a complaint against XXXX, XXXX and Experian regarding XXXX XXXX. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or XXXX through Bankruptcy XXXX XXXX. '' I would like for XXXX, XXXX and Experian to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a zero balance but I want proof of the account or I want it removed from my 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 2019-09-11 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: WI

Complaint narrative:
I was unable to apply for Social Security and XXXX online because I could not answer questions that were supposed to verify my identity. The questions required me to answer which bank provided my home mortgage, which institution provided my auto loan, and which retail credit card did I have. I could not answer these questions because I have never had a mortgage, I have never had an auto loan, and I do not have any retail store credit cards. The Social Security Administration web site indicated these questions were based on information that they receive from Equifax. 

I tried the following things at the Equifax web site to resolve the problem but I was blocked at all approaches because the same incorrect information in the Equifax database is being used to try to verify my identity : 1. I could not check what information Equifax had regarding the loans that it said I had acquired..

2. I could not check my credit rating.

3. I could not report the possible XXXX or identity theft at the part of their web site that was supposed to accommodate that.

4. I could not talk to a person on the phone at Equifax because I could not get past there identity verification questions.

5. I could not establish an Equifax account because my name, birth date, and social security number seem to be associated with an existing account that has an email address that is not mine. 

The Equifax chat line told me that I could mail in the Research Request Form, but the URL pointing to the form was wrong. I used XXXX to find this form. I am mailing to Equifax a copy of my driver 's license, my birth certificate, and my social security card attached to a research request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: NV

Complaint narrative:
I would like to file a complaint against XXXX, Transunion and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for XXXX, Transunion and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX balance but I want proof of the account or I want it removed from my 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 2019-09-11 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: NV

Complaint narrative:
I would like to file a complaint against Equifax, XXXX and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for Equifax, XXXX and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX  balance but I want proof of the account or I want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The information that they provided to me is wrong. They never told me how they came up with the findings or how they think that I am not a victim of identity theft. The delinquent charges of {$480.00} are because I was a victim of identity theft and they continue to charge me for an account that was affected and misused because of identity theft. I have been a victim of identity theft and if they keep on charging me for an account that isn't mine. I will be suing the Huntington National Bank. This is a warning of my plan to sue, if they don't correct this information, I will be suing them for not doing a thorough investigation and breaking down where they found their finding on how my account isn't a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
When I signed up for freedom debt relief in XXXX of XXXX with my payments beginning draft in XX/XX/XXXX, I was told settlement fees would only be taken AFTER each account is settled AND paid in full. I had three accounts with freedom showing paid in full at the termination of my program in XX/XX/XXXX. Upon further inspection freedom did not pay off any of these accounts in full yet they charged settlement fees. Now freedom is denying this was said or implied, just as they did with their previous lawsuits ( of the many reasons for their suit filed in XX/XX/XXXX : deceives consumers about the extent of their services and deceives consumers about its fees. ) I have since discovered they lied about being better business bureau affiliated. They actually have a b- rating due to multiple complaints and government actions ( aka lawsuits ) against them. I have tried explaining to freedom all the troubles they have caused me ( just as in previous lawsuits against them ) they caused me further credit delinquency and have caused me to accrue more debt due to fees and their lack of follow through. When I was in email conversation with XXXX XXXX XXXX, a reputation management specialist, she advised since I signed the contract I was entitled to no further action up to and including a full refund due to their negligence in upholding their end of our contract. .She would not hear me out, not even to consider a partial refund. She then exchanged a snarky email with her supervisor and had a copy sent to me. She lied about these lawsuits and said they were settled in XXXX when in fact they were settled in XX/XX/XXXX. This company took {$1900.00} of my hard earned money and paid less than {$330.00} of my debt while taking astronomical fees for their settlements. Also once I complained, XXXX XXXX was able to produce a settlement agreement with XXXX  and XXXX, and a memo of my financial ledger ( which I have never seen. I believe this would fall under deceives in general ). I also advised XXXX XXXX I preferred email contact as I work nights for my local XXXX agency yet she continued to call me, more proof freedom doesnt listen to her clients or previous clients as in this case. She also advised through better business bureau that the matter is resolved and it is far from resolved. 
Id love to provide all of our email exchanges as well as screenshots of my account with freedom debt relief. I also have print out of others complaining on bbb and also reporting them as scam artists.

Company response to consumer: Closed with explanation