vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have uploaded a deceptive form from GM FINANCIAL showing how they are in violation of 15 USC 1692j ( a ).

Pursuant to 15 USC 1692d ( 1 ) GM FINANCIAL is also in violation by using criminal means to harm my reputation which is my credit reports. They have threatened to negatively affect my credit and add additional fees and have stated it is allowed by federal and state law, what i don't understand is how they came to this conclusion? when I have proof this was a consumer credit transaction and a finance charge was involved. 
GM FINANCIAL is also in violation of 15 USC 1692d ( 2 ) they have used obscene and profane language by calling me a SCAMMER in the letter submitted. 
I just want to make it clear that this is not a scheme or scam, NO this is very serious and my paper work I have sent in is very real. I will follow with a lawsuit next if I don't hear back. Remember not only are you civilly liable but CRIMINALLY liable as well. The CFPB has all the documents i have sent already form my last complaint and those are not fraudulent and they will hold up in federal court. 
See the attached document for proof of all that i have spoken today thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is to obtain a return for money wired through Chase Bank by me, XXXX XXXX, on XX/XX/20. The amount wired was {$2500.00}. I spoke with a bank executive and he recorded the details, then said I would be notified by mail if they could help. I was never notified. When I went to the bank to ask them about it, they said they would not be able to help me any further. I feel like they could have done more to help me. 
The money was sent from a request of a scam artist. I, did not know that it was a fake anonymous person. That's my complaint and I'm sorry for the inconvenience but I'm still would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac continues to violate my rights under the CARES Act concerning forbearance requests due to hardship experienced as a result of the XXXX XXXX. According to lenders guidelines found at the Consumer Financial Protection Bureau 's website ( https : //files.consumerfinance.gov/f/documents/cfpb_csbs_industry-forbearance-guide_2020-06.pdf ), " servicers can grant CARES Act forbearance periods for less than 180-days at the borrowers request or with the borrowers consent. However, servicers must default to the term requested by the borrower ( not to exceed 180 days XXXX if the borrower and servicer can not agree on an appropriate forbearance length or communication with the requesting borrower is not possible under the circumstances. '' PennyMac offered me only a 1-, 2-, or 3-month forbearance extension. PennyMac never granted me up to 180 days as I requested. I never consented to less than 180 days of forbearance. PennyMac 's representative XXXX refused to grant my forbearance request until I consented to 1 month, 2 months, or 3 months. After approximatley 40 minutes of PennyMac 's refusal to grant my forbearance extension, I was transferred to a supervisor. The supervisor ended the call and did not grant my forbearance request because I was recording the call and he did not consent to the recording. I called from Texas which does not require two-party consent to record. I asked the supervisor if he would be willing to call me from an unrecorded line ; he said no. I will not speak to PennyMac representatives/supervisors without recording my calls because they record on their end and their actions should be recorded to build up additional evidence of their refusal to comply with the CARES Act. After approximatley 50 minutes total of talking with PennyMac, my request for a forbearance extension was not granted despite me requesting an extension and attesting my continued hardship as a result of XXXX. I intend to file a congressional complaint and seek assistance from a federal court. The recording of my call exceeds the XXXX XXXX  maximum for attachments but I will make it available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Was not notified of investigation status or results
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
I have try to resolved an issues with Aspen National Collections with no luck. This is all over Resort maintain and tax fee. On XX/XX/2021 I call and spoke with XXXX XXXX who got mad when I requested validation of debt since they are refusing to get deletion done. Then I spoke with XXXX XXXX. " Manager " he stated they do not do deletions or actually they do not know how it work. I do not believe they have the proof debt. 

Today XXXX I call again and spoke with a XXXX again a manager. 
He said by company policy he can't delete from the credit report. He said their clients do not allow credit deletion. I told him that the address was wrong and I never got the opportunity to pay it before it went to collections. He said they mailed 3 collections notices to the XXXX XXXX. I told him again that was not my address anymore. Even when I told him that the address was wrong and never had the chance to pay it before it goes to collections he continued refusing to delete. 
I do not understand why they are doing this. They do not have validation of debt nor do they have my correct address. This is all wrong and their mistake and therefore should be remove from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
I have sent multiple dispute letters to Experian about incorrect information on my credit report. Not only do they have my name wrong, but my social security number and address is wrong also. I have reached out by phone, I wrote multiple letters and submitted a dispute online. Still no results.

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 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
As of the date XXXX Portfolio Recovery Associates has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard Portfolio Recovery Associates latest action as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I Have been a customer with USAA for Years. I'm not sure what has happened to their customer service but its be horrible lately. I have begged to speak with a manager the last 4 times i called. Because for some reason my payments were not being automatically withdrawn like i setup. The issue is i was also losing my automatic withdraw discount as well as missing payments. In the pass not only had i made my payments on time i actually paid ahead if you check my history. USAA failed me in regards to customer service. I shouldn't have had to call that many times begging for a managers assistance. As of yet i have not spoken with one. Had i received help from a manager my auto polices would not have been cancelled. I'm a nurse who works 16-18hr shifts i shouldn't have to spend hours on the phone begging for help to no avail and still end up having no insurance. i RECORD my phone calls so i can provide these to USAA if they'd like as proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The final invoice that was given to me by the apartment complex is different than what was presented to me by the collection agency. The reporting is inconsistent and should not be allowed to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As of the date XXXX XXXX XXXX XXXX has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard XXXX XXXX Associates latest action as harassment.

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 2021-06-04 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:
On XX/XX/2021 I sent a letter to Equifax to remove incorrect information from my credit report. I have yet to receive a response and I believe that my name, address be corrected on my report. As a result, I have a XXXX XXXX XXXX line on my report and it does not belong to me. I request that this be removed. Equifax has had ample amount of time to fix this problem and I request that Consumer Protection Bureau investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.

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 2021-06-04 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: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
On XX/XX/XXXX my home was foreclosed on by Mortgage Center LLC. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with XXXX  on XX/XX/XXXX, but I was told I need to contact Mortgage Center to have them send in the correct information. So again I contacted Mortgage Center and asked them to submit the correct information but I was told it's the responsibility of XXXX. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with Mortgage Center refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

PayPal has permanently limited my PayPal account. However, the funds they have locked are refunds due to PayPal Key Transactions. Instead of refunding to my underlying credit card, PayPal refunds to my balance, which they are limiting. Essentially, PayPal is charging me for the transaction, and denying my refund from the merchant. The transaction in question relates to : Transaction ID : XXXX {$5300.00} I do not see how PayPal is allowed to hold my funds and block refunds on an account that was solely used for PayPal Key transactions. PayPal also will not allow me to dispute this transaction with the merchant to resolve it, as they have blocked my account from that feature!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ever since XX/XX/21 I have been trying to remove some reports that have been intrusive to my privacy concerning the XXXX  Case Number : XXXX, and Case Number : XXXX. I sent a dispute out to XXXX Equifax, and XXXX several times and filled a complaint to get these inaccurate items off my credit report that is a violation to the LAW. I am sad, and my family is being affected due to denial of credit, not being able to get a mortgage or even move into an apartment during this unprecedented time were in. It's stressful and scary all at the same time, and I don't know much else to do. The reinvestigation that has taken place has not been fair or accurate to my liking. So I have been doing some research. According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated time and time again. XXXX, Equifax, and XXXX refuse to remove these negative items from my credit report and obey the law. I would file for litigation but I have to wait until I get some extra funds. Also, according to 15 U.S.C 1681 ( h ) this has been another violation of invasion of privacy because I never gave the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported, and now I'm being frowned upon when it comes to getting a loan from the bank. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. I have been going back and forth with them since XX/XX/21 and it is now overbearing. It has brought major emotional distress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I reported several times about Identity theft to AMEX, even through CFPB. 
Few month ago I was assured that AMEX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I defaulted on the credit card in 2018 and they closed my account and wrote it off. They sold the debt to a collection company. Not knowing any better, I paid the collector. They still claim that I owe them money. They continue re-opening and closing my account every other month, and adding remarks to my account. Ive tried clearing this up with them and they claim that they never received the money from the collections company. They will not address why they keep re-opening and closing my account.

Company response to consumer: Closed with explanation