vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Fair Financial Corp.
State: IL

Complaint narrative:
HELLO I AM CURRENTLY UTILIZING A SHORT TERM LEASING COMPANY NY THE NAME OF FAIR I AM CURRENTLY OAYING XXXX A WEEK TO KEEP THE CAR THE COMPANY USING A APPLICATION TO EXTEND CONTRACT ETC THE APP HAS NOT BEEN WORKING AND THE BUSINESS IS NOT HELPING ME TO GET THIS PROBLEM FIXED SO THE CAR DOESNT END UP GETTIN REPOD I ACCRUE FEES ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I represent my wife ( I am a XXXX XXXX XXXX XXXX ). Wife is the pay-on-death beneficiary of her father 's checking account with SunTrust Bank. On XX/XX/2019, her father died. On XX/XX/2019, I submitted paperwork to SunTrust Bank to close the account and forward the funds to her. No response from Bank. On XX/XX/2019, I sent a letter to the bank 's CEO via certified mail, which they signed for XX/XX/XXXX. I received a response directing me to send a " Letter of Instruction '' to the Bank. I did so on XX/XX/XXXX via certified mail, which the Bank signed for on XX/XX/XXXX. I have still not received the funds. Phone calls and emails to the Bank are not returned or responded to. In other words, the Bank seems XXXX bent on keeping our money.

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed this debt with credit bureaus and debt collector numerous times. I have never done business with this company nor entered into any agreement with them. I have asked that they verify details of this debt including that I legally owe them or delete from my credit report. I have not received any verifications nor has my credit report been updated with the requested deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
my credit was pull from this company I don't recall and don't recognize the name of the company is XXXX XXXX XXXX XXXX XXXX, NJXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX my bank account was hacked and two {$250.00} were transferred to cash app. When I contacted my bank, they said they were holding me accountable for the fraudulent charges. When I asked why, they said that they contacted cash app and they said I had an account with them and I was the one to send the money to my cash app, which I did not. Why would I send money from my bank account to cash app? I would use cash app to send money to a person but never to cash app. I submitted a complaint to Better Business Bureau and they never responded. I also tried to contact them directly and they never responded. I checked my account and they closed it without my knowledge, consent, or a reason why. This alleged transaction cash app said I did, occurred the same day and time that my account was hacked for nearly {$500.00}. Cash app caught the transaction and returned the money.They have also added charges on to my account that I never completed. I also contacted Georgia General Attorney 's office to file a complaint and they transferred my claim to the Department of Banking and Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2018 - I requested a transfer of {$3000.00}. from BarclayCard to my XXXX card. 
XX/XX/2018 - Barclay says they transferred the money. 
This money never appeared in my account. I began calling Barclay and texting them through my on-line account. This has gone on for 16 months now with no resolution. XXXX says they never received the money. It took me one year to get Barclay to send me a copy of their transfer sheet. I immediately saw that it was sent to the wrong account number and have been trying to explain that to them for the last four months. I have contacted Barclay approximately 150-200 times since XX/XX/2018 with no resolution in sight. I have records of each call and each " case # '' they say they opened. The last call I had was with a woman who said she was a supervisor and told me XXXX was to confirm that I had never had this money put in my account and she would respond to me with in 48 hours as soon as she received this from XXXX. NO ONE FROM BARCLAYCARD, USA HAS EVER CALLED ME BACK FROM ANY ONE OF MY INQUIRIES SINCE XXXX XXXX. 
PLEASE HELP ME.

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
To Date : XXXX XXXX - I have received no reply from Foreclosure Attorney for Lender and Loan Servicer regarding my most recent, ongoing written correspondence concerning these matters. 

Specific Disputes : Foreclosure Attorney and their Client Engaging In Recognized Fraudulent Real Estate Foreclosure Activities. 

Related Issues : - Amount due is unsubstantiated and grossly inflated ; substantial fees include legal fees and prior irregular record of payments to account - Payable Lender, Servicer, Mortgagee Fraudulent Assignment Activity, do not coincide with Public Records and remain unproven, unsubstantiated as per 2 Qualified Written Response Requests - MERS Inactive - Assignments on Public Record ( 4 ) Attached - XXXX ( XXXX XXXX on bottom right XXXX Assignment & Recorded Name Error ), XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: MA

Complaint narrative:
XXXX claimed they delivered a package to my address, which I never received Listed below are the delivery facts from the USPS regarding shipments XXXX & XXXX, with the supporting documentation enclosed. 

I. There was no signature II. The packages were delivered to zip code XXXX. 
a. There are XXXX souls living in XXXX dwelling units in ZIP code XXXX. 

XXXX provided no information that the package was delivered to my address, let alone signed by anyone. The only information provided shows that the packages were left at or near the mailbox in one of XXXX dwelling units. At or near mailbox does not indicate that the package was even placed inside of a secured area, let alone a secured area in my building. 

How am I being held responsible for a package for which there is no proof that I received? XXXX for a small fee, {$.00}, could have requested delivery confirmation from the USPS. This would have ensured that an authorized agent signed for the package. Alternately, XXXX could have ensured the packages for approximately {$4.00} each. 

There is no evidence to support that I received the packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: MN

Complaint narrative:
I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from GM Financial and paid it. I never received anything from GM Financial except that my vehicle was returned and my balance was XXXX and the account was closed. I just got an alert from XXXX  that my credit rating has gone down 45 points because GM Financial is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All GM Financial has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My loan was transferred from XXXX to Shellpoint in XXXX. I received written notification of this from XXXX, and presume it was due to their bankruptcy. I was current on my mortgage, but have been unable to pay the XXXX mortgage, because Shellpoint has yet to send me any information other than 2 e-mails. I can not pay, as I don't know where to send the loan, I'm unable to create an online account because they have not assigned a user name, etc. 

I've called their customer service number, but they put you on hold, while giving you the option to leave a message for a call back. I tried that a few times, but never get a call back. If you stay on their phone line, you eventually ( after @ 11minutes ) get automatically transferred to voice mail and are forced to leave a message - which they still won't return. 

They are more than happy to send me demanding e-mails to make a payment, to which you can not respond successfully, nor can I comply - as they've not given me the information necessary to do so. 

They informed me I would receive written correspondence, but that has not occurred. In their welcome letter they stress how important it is to pay the mortgage on before the due date, and their welcome letter is sent about a week after the due date. 

All of their listed methods of contact have not yet worked. 

XXXX said that they can't help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I attempted to payoff my loan online as that is how I obtained it in the first place. I was not able to do so and instead was directed to contact the lender another way. I submitted a request immediately and did not receive a response until today. I am attaching the response as a pdf for review. I believe the tone and substance of the response speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was forced into a short sale in 2015 by wells fargo and would like for someone to look thru my paperwork to see if there was anything fraudulent done or signed.

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from XXXX XXXX and paid it. I never received anything from XXXX XXXX except that my vehicle was returned and my balance was zero and the account was closed. I just got an alert from Experian that my credit rating has gone down 45 points because XXXX XXXX is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All XXXX XXXX has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!

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 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have received 5 emails from LVNV.. Funding LLC stating I owe {$540.00} to XXXX XXXX XXXX. I email lvnv funding telling them that is not the correct amount that I owe it is less the what they have stated. I have done some research on this company and this company like to add fees on top of whats owed. Lvnv expect me to pay the fees that has been added to the original amount that is owed. And I have contacted them by email and i told them it was illegal. I also told them I'm not working so Im unable to make a payment to them and If I was working the account wouldn't have landed to their office. Unfortunately, I still receive receive emails from them and they would like me to talk to them but I prefer that they contact me through email instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have received anything prior to this and I have not done business with the company. 

I don't know how they can just place a collection on my credit reports without ever notifying me before doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Penn Credit Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX, My husband and I sold our house and moved from our home in XXXX XXXX, PA. We called the electric company to pay our bill and schedule shut off of our electric at the house. Sometime later in XXXX I received a collection notice from PENN Credit ( acct # XXXX ) regarding a past due elective bill. I did not know where this bill was coming from as my husband and I had to make a final payment in full on the electric bill of our home in order to schedule the power to be shut off at the home we sold. After multiple calls with the electric company and Penn Credit, the end result was that there was a gap from when the new home owners moved in and when XXXX shut our account off. XXXX would not adjust the bill to the correct account. Penn Credit just wanted their money. There was no way to even talk to the new homeowner to try to get them to pay the bill. So, frustrated and not getting help from any direction, my husband and I finally just paid the bill. It was agreed and the representative from Penn Credit confirmed that once I paid the bill over the phone with my bank card on XX/XX/XXXX the account would be removed from our credit report. Months later, the account is still on my credit report and affecting my ability to buy a home. We have spoken with one of the credit bureaus it is being reported to ( XXXX ) and they have indicated that they dont know why it is still on the report and it can be taken off, but needs to come at the request of Penn Credit. Any bank I speak too states the same. We have contacted Penn Credit multiple times and were told I can try to dispute all I want, they will just keep kicking it back that the account is closed but will never take this off of my credit report. They dont have to or want to. This is causing a major financial headache for me in trying to improve my credit and buy a home. I dont know what to do at this point. Penn Credit is preventing me from being able to obtain a loan. I have done what they asked and were promised it would be. I feel like my credit is being harassed and held hostage by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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:
when i try and file an online dispute equifax and XXXX  will not except dispute say they can not access report yet they are always reporting to credit lenders, both report my fios score as XXXX yet XXXX  reports XXXX fios, i have an exceptional payment history never a mark against my credit,12 open accounts,3 years or longer, i feel XXXX and equifax are mad about my disputes and have black balled  my account, please help look at my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I applied for a conventional mortgage with Wells Fargo. Everything went smooth, I provided all requested documentation, paid the upfront appraisal fee and the packet went to underwriting. I was told my loan rep would call me if any additional information was needed and let me know the progress of the underwriting. On XX/XX/XXXX I called Wells Fargo to see what was going on and when someone would be to the house to appraise it. I was informed underwriting would not approve the loan due to the short sale in XXXX and some other reasons. I was not given the common courtesy of receiving a phone call letting me know underwriting did not approve the loan. A few days later I called a FHA counselor and was told that FHA loans can be done within 2 years after short sale.

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