vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have an auto loan with Bridgecrest. I have set up a bill payment through my bank to pay my monthly amount. I have not had a problem with this until XXXX. My XXXX payment was showing it was not received. On my statement, which I provided to Bridgecrest, it shows the payment cleared my bank on XX/XX/XXXX. I contacted Bridgecrest multiple times and have spoken to 5 different people in the customer relations department and I keep hearing the same thing ; we are working on looking for the payment. On XX/XX/XXXX, my bank, XXXX XXXX XXXX XXXX, provided Bridgecrest with a copy of the check that showed their bank, XXXX XXXX, received the payment on XX/XX/XXXX. This has been going on for 7 weeks now and nothing is being done to rectify the problem. I have asked to have my account credited this amount since I have proven the payment was made, and they can continue to research where the money went, but they will not credit me since they can not find the money. 
Since this all started, I have received numerous calls harassing me about this delinquent payment, saying I will be sent to collections and this will be posted on my credit report. I also received a letter that was titled Notice of XXXX to XXXX and XXXX to Repossess. This is absolutely frustrating! I have great credit, have never been delinquent on any loans or any types of payments, yet even though I paid this monthly payment, I am being threatened by Bridgecrest of tarnishing my credit and repossessing my car. Also, since this all began, my bank made another payment to Brdigecrest that cleared on XX/XX/XXXX. This payment was done the exact same way as all my other payments, including the XXXX payment they can not seem to find. 
I do not know what else to do at this point. I can not speak to anyone higher up in the company. The rep refuses toilet me speak to her superiors and tells me there is no one higher than her to speak to about this. Please help me. I am feeling stuck and there is nothing I can do to fix this problem. This company is messing with my credit and my sanity at this point, and I don't know what I can do.

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 2021-05-05 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/ American Eagle is reporting some lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20. During this time i was out of a job due to COVID and was un able to make these payments. I had this account for a long time and this account was unfortunately closed, i am assuming due to the delinquency but again that was completely out of my control as i was severally financially impacted due to the pandemic. I am requesting SYNCB remove these lates from my credit file. It was not my intention to be late but had no control over the situation. I tried to find other ways to make income through this difficult time and it was impossible to find anyone hiring during that time.

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 2021-05-05 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: NC

Complaint narrative:
I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2021-05-05 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: NC

Complaint narrative:
I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CO

Complaint narrative:
A debt buyer named Vance Huffman reported on my credit for XXXX XXXX XXXX. Stated account was opened XX/XX/XXXX. XXXX Never had a payday loan with XXXX XXXX XXXX. I haven't cashed a check there since XXXX. I received nothing in writing. There is no contract. I've been incarcerated since XXXX in Colorado. Company refuses to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have money available in PayPal but will not allow me to transfer fund to my bank account from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Trying to collect an erroneous debt from XXXX XXXX. In XX/XX/XXXX, I had service from XXXX  for a whole three days. The service was terrible so I called and cancelled also returning all equipment. A month or so later, I start to receive calls from Sequium stating I owe {$120.00}. Told them repeatedly that there is no debt and I had cancelled the service within XXXX 30-day satisfaction guarantee policy. XXXX  even told me that my account was cleared and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: LA

Complaint narrative:
On XX/XX/20 a fraudulent inquiry was made by US SM BUS ADMIN ODA on 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 non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. 
Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. 

XXXX  XXXX  Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. 

*note* There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. 
XXXX XXXX  bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation ( Western Union Reference # : XXXX ), only XXXX BRL were dispersed by XXXX XXXX XXXX before taxes and fees were taken out by XXXX. ) Leaving a difference of XXXX BRL that had failed to be sent by Western Union, per the contract. 

This transaction was contracted as a direct bank deposited. The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, below XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I contracted for a direct bank deposit at the aforementioned rate of XXXX. 

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing this due to non-complaince with the CRA ( XXXX, XXXX, XXXX ). 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off 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 2021-05-05 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:
I am writing this due to non-complaince with the XXXX XXXX  XXXX Experean, XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off 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 2021-05-05 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: NC

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 XXXX that you have on file for the account 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 account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2009 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
My records associated with the account AMERASSIST, with account # XXXX, do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to AMERASSIST but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
This account is fraudulent and unknown to me. 
I have reached out to the furnisher and they are unable to validate this debt as 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 2021-05-06 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: FL

Complaint narrative:
I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! Transunion, XXXX and XXXX have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police 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 2021-05-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all 3 cra 's had taken 4 months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX  ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
We refinanced our home and closed on XX/XX/2021. XXXX XXXX taxes were not due until XX/XX/2021. In our refinance closing documents, distributions were made by the title company to the XXXX to pay our taxes due in the amount of {$3100.00}. In the same month, XX/XX/2021, our previous mortgage company also paid the taxes out of our escrow for the same amount of {$3100.00} while knowing that a payoff demand had been requested. XXXX XXXX tax assessors deposited both payments and we now are subject to a waiting period of 60-90 days until they release the duplicate payment funds back to the original mortgage company for them to then redistribute back to us at some mysterious time table. How is is it right that XXXX XXXX gets to hold up our funds beyond the actual payment made not to mention earning interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed an Identity theft/Police report which is attached along with proof of my Identity. The information is not information relating to any transaction by me, XXXX XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I have many complaints about BetterXXXX But I will start with the monetary one. I closed refinancing a loan on XXXX. The consummation closing disclosure statement said I was to get back {$1200.00} wired to my bank account. I was wired {$1100.00}. That would have been correct if I had closed on XXXX. I brought this to their managers attention and I was told that I was wrong. 
My closing agent would not take my calls. She was always not available and would not call me back. I went on line and scheduled phone times for someone to call me. No one called. I tried calling them after 15 min of waiting for a call. Still no one would talk to me. 
My whole process of refinancing was a nightmare. I thought that if I used one company for all 3 of my refi 's, it would be simpler. It was not. I had to answer the many, many same questions 3 times. I should have quit months ago. I started in XX/XX/2021. I finally closed on XXXX. There were multiple delays. One 3 week delay I was told was because their title company could not figure out how to write in our names for the title. The only change required was for one person who got married and therefore changed her name. Finally I found this out and told them how to write the names for the title. 
I asked that the costs at closing be as close to zero as possible. I got big refunds. 
It took so very, very long for them to close my loans that my new loan amount was very high compared to the amount of my payoff XXXX about {$2000.00} on each loan ) and I had to pay for 3 payoff statements. I am still waiting to get that money back from my old mortgage holders. I closed on XXXX today is XXXX and I have not received word from them. 
Lack of communication and accountability were numerous.

Company response to consumer: Closed with explanation