vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My car was not even repaired he stated he refuses to do any business with me at all. Just because I made a complaint with the XXXX the attorney general office and the civil rights commission. XXXX took me for a ride. XXXX XXXX was part throwers. They was misleading. They was dishonest. They was ungodly. They was deceitful. They falsely misdiagnosed my car. First it was the coolant pump XXXX then the thermostat XXXX then the radiator XXXX everything they did on my vehicle did not fix the overheating problem. I gave them over XXXX dollars and My car is still not repaired and then to tell me to move my old car off their lot because we don't want to do business with you, after taking my hard-earned working money. I never told him to drop this complaint. If I have to get myself an XXXX attorney I will because I don't want this to happen to another woman in a lifetime. i sent all the proof to this credit card company to back up my excuse, and they closed out my case ... this is not fair and unjust Wed, XX/XX/XXXX, XXXXXXXX XXXX to me Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arrange for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. We are not interested in doing any business with you at this time because we just heard you made a complaint with the XXXX. Per our email we sent you yesterday, we request you return our loaner car vehicle and transport your old vehicle off our property. We are requesting that you do this by XXXX today to avoid any daily charges for loaner vehicle.. 





XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXXXXXX XXXX Subject : XXXX XXXX To : XXXX XXXX Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arranged for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. 



XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX There were several points in time over two years I considered harming myself over the behavior of this company. They pay off criminals, they don't care at all. 

Nothing will work. They want your money and nothing else. Every single department is a joke. 

They will not help you no matter what evidence you provide them. Their entire goal is to gather information to support their position, don't bother talking to them if you get scammed. Don't provide them any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: LA

Complaint narrative:
This is XXXX XXXX the natural person here to attest to this terroristic organization that has violated my comsumer rights willfully.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

TransUnion has been given its due process of 4 days to remove these fraudulent accounts and have not done so!! Law is Law there is no substitute for it.TransUnion needs to remove these accounts IMMEDIATELY as they are tarnishing my name as a consumer.

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX I have contacted TransUnion and XXXX XXXX XXXX to investigate show me proof contract signature anything and have yet to be provided any information proving this alleged account belongs to me BECAUSE THERES NO WAY POSSIBLE FOR IT TO BE MY ACCOUNT Current Rating Collection/Charge-off Status Open Type Individual Unpaid Balance {$1100.00} I have been sending letters and documentation that this is not my account it is impossible at the time I was a permanent resident of XXXX and there was no way possible this account could be mine

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 2021-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Have reported identity theft to usaa. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from 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 2021-06-25 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.
State: GA

Complaint narrative:
AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.

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 2021-06-25 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: GA

Complaint narrative:
AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: GA

Complaint narrative:
AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.

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 2021-06-25 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Have reported identity theft to XXXX. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
This is a new complaint. Prior complaint is XXXX. This issue ( s ) with Select Portfolio Services, hereafter referred to as SPS was brought to your attention on XXXX. SPS reported in their XXXX response to CFPB that they were contacting the prior mortgage holder XXXX XXXX XXXX  ), and also listed that they would consider 100 % of my spouses income. This complaint is to report that SPS has not upheld what they reported to CFPB. SPS have not provided any written updates regarding XXXX XXXX outside of what they reported to CFPB in XXXX. Instead, SPS sent a written correspondence indicating they were moving forward with foreclosure, what theyve referred to as Foreclosure Referral Notification on XXXX. I was told by an SPS associate that XXXX XXXX was taking too long to respond to SPS requests, resulting with SPS resuming foreclosure procedures. Please note, I did contact XXXX XXXX who confirmed that they were in receipt of a loan modification application received by their loss mitigation department and the last activity was XXXX. XXXX XXXX assured me that SPS has all of my detailed information in their possession, which was all transferred to them XXXX. SPS continues their non-transparency and unethical actions. They have put in writing to CFPB that they would complete the review with XXXX XXXX and consider 100 % of my spouses income and have done neither. Theyve become frustrated with XXXX XXXX and have done 50 % of the work. They have done 0 % of considering my spouses income and their XXXX written correspondence to me is clear that they have no intentions to do so. As well as their XXXX written communication to the insurance company. They have made no attempt to provide a written update regarding communications with XXXX XXXX outside of their XXXX update to CFPB. An SPS associate informed me that the written update was not provided, as SPSs communications with XXXX XXXX was not complete ( another contradiction ). Which doesnt explain who they can resume foreclosure if youre not complete. They have also ignored my XXXX corresponding letter expressing interest with 100 % of the spouses income. I am still awaiting SPSs complete review of my XXXX loan modification application with XXXX XXXX and next steps with moving forward with another review, pending SPS investigation with the prior mortgage holder XXXX XXXX XXXX  ), whos stating that SPS has access to all documentation and the history of account actions. SPS continues to make contradicting statements both written and verbal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NV

Complaint narrative:
There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.

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 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I went into a purchase agreement for a stay with XXXX ( the reservation was under my wifes name XXXX XXXX XXXX XXXX XXXX and used their platform. The total amount is for {$4100.00}. My stay was supposed to be from XX/XX/XXXX to XX/XX/2021. I only stayed the night of the XXXX and the host changed our reservation for just the one night which is reflected in the reservation due to issues of the home and the remaining nights were to be credited back. I reached out to Affirm and received a message back saying after reviewing my information, i'm responsible, which i should not be. I provided all information including the owners name and also reached out to XXXX numerous times and am unable to get help. I do not believe they investigated fully because they would have been able to see that my refund was supposed to have been issued. Even XXXX could not get in touch with the host as well. They should raise a red flag as well. I have numerous loans out that i have been paying for with them and i feel this has not been looked into far enough. Ive provided detailed details as well. I just feel if this type of issue cant be rectified then i do not need to keep referring others or continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient refuses to consolidate three loans in order to attempt to collect three separate payments totaling out around {$2000.00} a month which is not finically possible.

They call my cell phone, my mom 's cell phone and her house all day long relentlessly and from random numbers all day. 

My federal loans were dismissed from being ripped off by a for-profit school as I was never able to obtain a job in my field making what I was promised and I did not receive any job placement services that were promised, I am stuck with these private loans which are like a jail sentence. 

My mother paid on these loans for many years and they have only gone up not down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent Experian and XXXX XXXX ( original creditor XXXX XXXX account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX ''. Experian has responded to my verification letters sent on the the aforementioned dates above. Experian has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from Experian are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my Experian 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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I had medical debt that was put in collections and when I requested a validation of the debt ; they sent me documents containing my medical records. This is a huge violation of Hipaa, so I demanded that the collections be removed from my credit report because of damages, but they never responded so I am now reporting it to the cfpb.

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 2021-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This account has already been removed from my XXXX report and needs to be completely removed from my XXXX and XXXX within 10 days or less. I have uploaded all the necessary documents.

Company response to consumer: Closed with explanation