vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Today, on XXXX, Equifax report a missed payment that resulted in a 19 point drop in my credit score. Upon searching my credit report, there are no missed payments and haven't been for a long time now. My repayment has been impeccable for years. They have not done anything about this and furthermore, no one can seem to find out why this happened. It is deeply disturbing how these credit bureaus operate, without accountability, strong-arming people into purchasing subscriprions, and literally ruining lives with spontaneous, ambiguous score manipulations. These are private business es that literally take advantage of everyone. They operate with impunity and are NEVER held accountable for their actions. Consider this, did you know that once a credit bureau knows that you're applying for a mortage and generally working systematically at paying off your accounts and settling that they unearth your charge-offs and sell them to collection agencies? Yes, and then these collections suddenly pop up out of nowhere asking for money because they figure you have some now and then boom, your score has just dropped yet again because of these newly purchased accounts. And this will continue to happen until you pay off all of your charge offs. Fine, I'll pay what I owe, but a ) the credit bureaus are not being upfront about doing this, b ) it deincentivizes settlement agreements ( and even any payments, really ) and c ) it's super-underhanded, opportunisitic, parasitic, evil, and inconsiderately timed. Not only that but consider poor people trying to fix their lives! Of course, these bureaus make their REAL money off of the agencies they sell your data to, not us. They couldn't care less about us, but they certainly want to act like they do. You think XXXX  is bad, just imagine all the data manipulating that these bureaus have been engaged in for years. Equifax, if you're going to pull this, at least be upfront and at least give consumers a change to pay off some accounts and perhaps furnish them with ways to pay off their charge offs piecemeal, without having to devastate everyone. Try not to keep the poor down. And try not to kill someone's score in obscurity so that they can purchase your memberships. Surely if we were to do the research, it would be those who hold your memberships who experience less arbitrary score drop surprises. Please fix my score- I have no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2020, I made an online purchase from a company that appeared to be USA based. It was advertised as XXXX XXXX. As soon as I sent the payment I received a notification from Paypal that indicated it was to an overseas address. Go to the Paypal site to stop the payment within 30 seconds and it's already been completed. I immediately received a ship notification from the seller. At this point I'm figuring I'm out the {$50.00} I spent for 2 pair  of XXXX XXXX but hold out hope that at least if they are cheap knock offs that they'll fit. At the end of XXXX the sandals arrive and they are not the XXXX advertised, but cheap imitations. AND they are at least one full size too small. So I checked in to a refund. Sure, send them back and we'll refund you. The issue, it is gon na cost me at least {$65.00} to send back a {$50.00} order that was falsely advertised to begin with. I contacted Paypal on XX/XX/2020 to intercede. Over the last 42 days I've had a case open, been in contact with Paypal, only to be told that they can't refund me because it wouldn't be fair to the seller. Really? So they are supporting false advertising and the overseas thieves that take advantage of policies meant to protect honest people. The good guys get the shaft again. I've had trouble with Paypal before on an overseas purchase which is why if I had know this was, I wouldn't have completed the sale. The picture attached is the ad off of XXXX that I purchased from. I went and took a screenshot as soon as I was aware of what was happening at the time of order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian combined another 's information to my account. I disputed about that and Experian once deleted the wrong phone number and address. However, they added the wrong address ( in XXXX XXXX ) recently. They also add a collection to my account, which directly leading the damage of my credit 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 2020-08-15 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: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-08-15 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: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Great American Finance Co

Complaint narrative:
The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got an installment loan to purchase a personal watercraft in XX/XX/XXXX with Sheffield Financial. In XX/XX/XXXX, a payment was erroneously processed as being a few days late. I called the company and they supposedly corrected the correct payment date ( which was not late ) and updated my XXXX and XXXX  credit reports. However, they did not update the XXXX report and is erroneously reporting a late payment in XX/XX/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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
yes i called today wondering why you guys charged my back XXXX??? when i was charged and hacked on XX/XX/XXXX with the 3 transaction from XXXX. for XXXX but you guys claim that i should only be be credit back twice for it?? that doesn't make any sense.. the guy on the phone told me that and now you guys are stealing my money!!! I work for the XXXX and this is how we get treated??? 

and I have upload that you guys did everything correct on XX/XX/XXXX, so why are you guys even dare to reverse one of the XXXX that is a frad back to my account??? 

what is you guys problem, I even uploaded my proof of transaction and stop giving me false information, I hope everyone can read and understand 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 monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
While filling out the application I was asked my race and sex. According to the Fair Lending Act, a lender can not ask questions like that. It could make there decision very discriminatory. This was done by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E*TRADE BANK
State: NC

Complaint narrative:
This is more of a harassment of phone calls. They continue to call after I have asked that they not call me anymore. They call about illegal access to my computer and want me to send them money to fix problem and I tell them I don't need their assistance and they ignore and continue to call and harassment me anyway. These calls are from a company called Etrade and their phone number is : ( XXXX ) XXXX Please help me with these unwanted calls as they will not listen to my requests to stop calling my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: VA

Complaint narrative:
Transunion add someone else 's collection of {$5500.00} to my credit report. XXXX XXXX XXXX XXXX reported this collection ( Occured in XXXX, in XXXX XXXX ). I totally don't know this collection and I haven't lived in XXXX XXXX. And I am not in the US in XXXX. I disputed to Transunion, but they said the collection is accurate without providing any evidence. I am confused about that. XXXX and XXXX  supported my dispution and deleted the wrong information already.

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 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
This is not the way to do business as your policy says that any account that gets locked by cash app so to that every account the user will be able to regain access within 24 hours back but in my case my account been locked since a month and its not the first complaint only I really got tired now for writing you the emails to unlock my account and Im not been able to see any response since a month and all my funds are stuck there and I have not been able to cash app all my money back into my account I have to pay my bills and dues and you didnt care about that neither you are responding on my case i guess you should return my money back as soon as possible and after that I think I should stop using cash app anymore in future and I think I want to share my experience with my friends and family so that they should also stop using cash app so that they will also not face the same problem please let me know as soon as possible when are you taking hold from my account so that I can use my funds back and I never face such a bad experience in my life and I got to believe now that this is one of the worst app that I shouldnt have used

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Traded in a leased XXXX XXXX when purchasing a XXXX XXXX in XX/XX/XXXX ( another GM product ). Per GM, lease disposition fees are waived if borrower trades in for another GM product. Never should have been charged this fee. Never got a bill, never got a call, never went to collections, no correspondence whatsoever. On or about XX/XX/XXXX, 8 months after the transaction, our account was written off by GM Financial due to " Natural Disaster '' per my credit report. It is my firm belief that GM Financial did this to access relief money at my expense, irreparably harming my credit and costing me hours of time and potentially thousands of dollars in attorney fees to address a negative mark on my credit report that should have never been there I the first place. I demand that this is removed from my credit report immediately, and further, I implore CFPB to fully investigate GM Financial 's unauthorized and fraudulent charge off and reason code for said charge off, as they are clearly trying to take advantage of consumers, federal funding and the current situation to benefit themselves at the expense of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate

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 2020-08-15 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Americredit/GM Finanial marked my credit late 30 days in XX/XX/2017. Traded in the car at the dealer ship and the dealership didnt pay off the car right away because of a title issue! At the time of the trade the payment was not late! Thanks, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CarMax, Inc.
State: CA

Complaint narrative:
Carmax is conducting abusive business practice by putting false information on all three of my credit report. Carmax is not taking the time to fix. For example the amount past due is for {$6500.00} when there is a last actual payment amount of {$7100.00}. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020, while shopping in XXXX at XXXX XXXX XXXX XXXX in XXXX, CA XXXX, my wallet was stolen sometime between XXXX XXXX and XXXX XXXX. When I discovered my wallet missing, I immediately went home and called my bank and all credit cards. Several credit cards were stolen. I am contacting you about an REI card issued by US Bank. REI stolen card was used XX/XX/2020 at XXXX # XXXX in XXXX XXXX, CA to purchase {$850.00} in gift cards. I made a Police Report to XXXX XXXX Police XXXX XXXX XXXX. XXXX, CA XXXX, phone XXXX. I spoke to Officer XXXX XXXX. His email is XXXX. My case number is XXXX. 

Im contacting you because US Bank Fraud Prevention has denied my claim. They are at Cardmember Services Fraud Prevention.  XXXX   XXXX XXXX. XXXX, ND XXXX. Their phone is XXXX. Their fax is XXXX. My claim number is 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 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northern Service Bureau, Escanaba Inc.
State: WI

Complaint narrative:
They called my parents house and told my dad that I had debt and I needed to pay it if I didnt they would come to my work with a warrant for my arrest

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. I have sent them two certificated and notarized affidavit with supporting evidence on how XXXX XXXX  had incorrectly sum up with payments and are still charging me a late payment even through the last payment was higher than the actually payment. Theamount past due was for {$6500.00}. The last actual payment amount of {$7100.00}. {$7100.00} is greater than XXXX. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.

Company response to consumer: Closed with explanation