vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 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
State: NY

Complaint narrative:
Paypal told me : " to offer assistance with respect to your withdrawal options unless a valid photo ID or equivalent is supplied for the primary name that was provided at the time your Account was created, XXXX XXXX. ( end quoting )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Credit Corp Solutions Inc.
State: NM

Complaint narrative:
This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was Credit Corp Solutions, INC. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX  to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
This complaint is in regards to account with Discount Tire/Synchrony Bank  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.

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 2019-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XX/XX/2019 PLEASE READ ATTACHED. CONSUMER FRAUD. 
Contract says simple interest and it is 30 % interest!! 
I need a NEW CONTRACT written or a refund of my car payments and refund {$4600.00} on my trade in. 
This is illegal and a big mess and taking advantage of a senior-elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of 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 2019-11-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CA

Complaint narrative:
When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of 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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Every since Synchrony Bank took over PayPal Credit request for payments I make for my PayPal Credit have not been sent to my bank. Matters have only gotten worse during the many hours on the phone over the past few months. Now Synchrony is not requesting payments from my bank for both my PayPal Credit and my PayPal Master Card and have closed both accounts. 
The dates and payments are below : I have had more than sufficient funds in my account for each of the payment Synchrony " refunded '' XX/XX/XXXX {$300.00} paid PayPal Credit XX/XX/XXXX {$300.00} " refunded '' PayPal Credit XX/XX/XXXX {$290.00} ( different amount so I could differentiate the two ) PayPal Credit XX/XX/XXXX {$290.00} '' refunded '' PayPal Credit XX/XX/XXXX {$300.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$500.00} paid PayPal Credit ( trying to cover both months ) XX/XX/XXXX {$500.00} PayPal Credit '' refunded '' XX/XX/XXXX {$500.00} paid PayPal Credit ( called and was told to wait a couple days ) XX/XX/XXXX {$500.00} PayPal Credit " refunded '' XX/XX/XXXX {$580.00} paid PayPal Credit ( after hours on the phone via consultant ) XX/XX/XXXX {$200.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$580.00} PayPal Credit " refunded '' ( regardless of assurance all was well ) XX/XX/XXXX {$580.00} paid PayPal Credit XX/XX/XXXX {$580.00} PayPal Credit refunded XX/XX/XXXX paid {$400.00} PayPal MasterCard XX/XX/XXXX PayPal MasterCard 'refunded '' ( Now the problem is with both accounts ) XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$160.00} PayPal Credit XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' XX/XX/XXXX {$160.00} PayPal Credit `` refunded '' XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$380.00} PayPal Credit via telephone XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' The XX/XX/XXXX payment has been deducted from my checking account but is not reflected on my PayPal account. 

XX/XX/XXXX received letter stating my account was closed for " dishonored payments '' We have other accounts with Synchrony that we have no issues with. We have had these accounts for at least four years with no issues until Synchrony and PayPal merged. Something in their system is wrong. Receiving bot replies to my numerous emails and customer service refusing to actually investigate and correct the matter.

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 2019-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Cap One # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I filed bankruptcy XXXX years ago Ive been making a car payment to XXXX XXXX for XXXX XXXX years. I reaffirmed my debt with XXXX XXXX XXXX years ago. when a company called XXXX took over payments for XXXX XXXXThey took it upon themselves to put that my car was discharged in my bankruptcy which basically means they rebuild it and my credit score think it took me two months and two disputes to fix this yes its off my credit report but my Phico score hasnt changed which has hindered me and getting the interest rate I should get one buying a new vehicle now that my old car is paid off when I try to call Experian all you get is not automated to option service you can never speak to anybody about any of 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 explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have sent emails XX/XX/2019 and XX/XX/2019 telling I voluntarily surrender the vehicle as Im in a financial hardship and cant afford the car. Have gotten evicted and havent had auto insurance on this car in months. I have also called for them to pick the car up at address XXXX XXXX XXXX XXXX ga XXXX. They have not! They have been calling my job harassing me while Im at work and Ive asked them to not call my work.

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 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   XXXX  Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX  XXXX Date : XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXThere are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} AccountXXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: LA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: LA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from 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 explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NM

Complaint narrative:
I was contacted by Premier Student Loan Center around XXXX of XXXX. I have some of the emails from them saved. They told me I could enter a program to reduce my debt and monthly payment. Naturally I thought this was great. The charged me {$600.00} plus {$40.00} a month from XX/XX/XXXX to XX/XX/XXXX. After Premier it went to someone named XXXX XXXX at XXXX XXXX  XXXX. Then from them to XXXX in XX/XX/XXXX. I seen on the news about some student loan companies being sued and noticed they ( XXXX or XXXX XXXX XXXX ) stopped withdrawing money from my account in XX/XX/XXXX. On my bank account their name shows as XXXX XXXX XXXX   XXXX CA. I called XXXX and they said I was scammed by this other company. I dont know what to do now other than file a complaint. I can show you bank statements if needed as well. I have a few more emails I tried to attach here but it wouldn't let me for some reason. Please let me know if you want me to send them.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21 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:
XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from 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 explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for this offer : https : //www.capitalone.com/credit-cards/quicksilver/ I was immediately declined with no explanation. My credit score is over 850. I have a 25+Year Credit History with zero late payments. I have no debt other than a small mortgage ( $ XXXX. ) Immediately after applying, I was offered a {$500.00} credit card from the same bank with different rates and no Bonus offer. I was not interested in that card so I rejected the offer. Nor would I have allowed Capital One to pull my credit report if they had disclosed that their promotional offer would be switched to a different product during the application process. 

I feel that this is bait and switch and that they purposely offer a bonus only to reject the application and offer another product in it's place, just to gain personal information and pull credit. 

I have contacted the company and they state that the reason they declined is confidential and that they can not discuss it with me. This seems very shady to say the least. They have obtained my personal information and pulled my credit score based on a false offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has wrongly reported 2 hard inquiries dated XX/XX/2019. Remove the two hard  inquiries.

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 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Client Services, Inc.
State: IA

Complaint narrative:
The company Client Services reached out to a minimum of two contacts, who I am not related to, and disclosed that the purpose is to collect a debt on XX/XX/XXXX and XXXX, 2019. I have not heard of others that they may have contacted yet with my personal information. I have not received any attempt to contact or verify the debt through my phone, mail, or email. I did reach out to the company requesting they stop contacting others with my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: VA

Complaint narrative:
XXXX XXXX XXXX has wrongly reported 2 hard inquiries dated XX/XX/2019. Remove the two hard inquiries.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2019 a fraud alert was placed on my Equifax report. I did not request this fraud alert. THIS CAN NOT BE REMOVED VIA THEIR WEBSITE. I have sent three handwritten letters to Equifax containing more than the information they requested. I keep getting letters back saying that they could not verify my identity. I have sent my drivers license, social security card, four utility bills, and my paystub. This company simply refuses to remove the fraud alert from my credit. Attached is everything I have sent to equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Sierra Holdings LLC
State: TX

Complaint narrative:
Unfortunately my lack of knowledge concerning loans and refinancing has me in a car loan that is now upside-down. I paid cash for my car 11 years ago. I was asked on XX/XX/XXXX to co-sign/co-borrow for a XXXX XXXX XXXX  XXXX, I told the sales manager I was not comfortable with the amount of the finance charge or the length of the loan. As I am on XXXX, and did not want a debt I would normally not get myself in. Amount financed {$15000.00} which includes {$290.00} for the Gap Addendum Waiver, had I known I could get that on my own instead of adding it to the amount financed I would have not agreed to it. And yes this is a subprime loan but even with a co-signer Sierra Auto Finance charged 20.58 % APR making the finance charge {$11000.00} almost as much as the car! After 72 months the total of payments is {$27000.00} for a used car. The manager assured me the loan could be refinanced without me after a year of on time payments, what he did not say was no one will refinance a car that is 10 years old and it was at the end of 9 years when we signed and 10 by the time I found out. On XX/XX/XXXX we went to a car lot and they ran a report and due to a wreck and potential odometer rollback that we were not told of, they offered {$3000.00}! The payment is {$380.00}, but he did not explain that it is a simple interest contract and the finance charge is charged daily from payment to payment not due date to due date, so if you pay 2 weeks before due date and think your ok until next due date, they are going to be charging you finance charge for XXXX instead of XXXX so basically you are screwed. Earlier in that week of XX/XX/XXXX we had signed a contract for a XXXX XXXX from XXXX XXXX, 60 months and {$5000.00} cheaper but Sierra turned that one down but approved the higher priced one. In my contract that XXXX XXXX XXXX XXXX, the company that is servicing the loan now, the one they sent to CFPB, the dealer section is actually from the XXXX not the XXXX. After I found out about not being able to refinance the car I called Sierra and explained the situation and asked if they would refinance and was told they do not refinance their own loans. I have a copy of the sales contract where XXXX XXXX XXXX  XXXX, buyer has same last name as CEO of XXXX XXXX, they bought the car from the auction for {$8700.00}, the finance charge is more than that, and I am paying {$27000.00} for the same one that will be 15 years old by the time it is paid off!

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation