vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, VA. During financing I was assigned Consumer Portfolio Services ( CPS ) for my auto loan. XXXX {$33.00}, XXXX with 14.700 % for 72 months. Basically this loan should be paid off and according the CPS payoff for XX/XX/XXXX is {$19000.00}. For the past 2 years my pay off has been between {$18.00}, XXXX to {$21000.00}. 

None of this makes sense and looks like predatory lending. I am attaching all documents. Here is a break down of what I have paid : Interest Paid - {$26.00}, XXXX Principal - {$15.00}, XXXX Fees Assessed - {$1700.00} - these have not been paid Fees Paid - {$650.00} Total I have paid is {$43.00}, XXXX This makes no sense. CPS is not easy to work with, they are nasty and rude. All of their phone calls, there is no working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple bank changed to BBVA Compass on Saturday XX/XX/XXXX. Instructions to access my account with the new bank were sent via email, I followed the instructions and could not access my account. 

On Saturday XX/XX/XXXX I called customer service and was disconnected. 
Called again and my information was taken by a customer service rep. They said to try again tomorrow after being on hold for 35 minutes. 

On Sunday XX/XX/XXXX Tried to login again without success Called customer service and gave up after waiting Monday Took no action Today Still not able to log in Waited 55 minutes to talk to a customer service rep. The rep on Sunday did not get my email correct. Did they send any information to the wrong email address? I dont know. 
They sent me 2 passwords to try via email and I could not get into the mobile app or website to manage my account They also gave me two passwords to try over the phone The app is not allowing logins The website says the link is broken I just want to see how much $ is in this account to take it elsewhere and will have to go to a physical location to do this. Luckily, theres one 5 miles from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Hello, to whom it may concern this is a case for Mortgage fraud, between the companies listed below : CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX ) XXXX Ending Balance should have been : XXXX on XX/XX/XXXX when balanced was closed and transferred. 

Two loans have come after this when transferred, which goes up in the closing balance. Adding years to the mortgage payment. 

The loan went from being close to XXXX, which is fraud. 

XXXX dollars is unaccounted for from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX The loan was transferred again on XX/XX/XXXX at XXXX to the company below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX Between these two mortgage companies about there is some type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX my bank that I had for years was closed and all accounts were transfered to BBVA. From day one there were issues with almost every communication that was sent previously to prepare for this merge. 

Then the day of I was unable to access my funds, a few hours even a day is understandable. I had to call NUMEROUS times to finally get through and get signed in. 

I quickly moved all my funds out and requested that all of my accounts be closed. 

They replied saying they have removed my savings from my online banking ( they didn't ) to which I replied I need my accounts closed and received no answer. 

Additionally I have tried to call numerous times today ( XX/XX/XXXX ) with no response and constantly being hung up on. 

I just want my accounts closed because I K ow they are going to try and force me to pay fees for some reason since this entire relationship has been full of lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
file a dispute on XX/XX/2021 with Transunion, XXXX  and XXXX about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.

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 2021-06-26 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: CA

Complaint narrative:
file a dispute on XX/XX/2021 with XXXX, XXXX and Equifax about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Investigation took more than 30 days
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CORELOGIC INC
State: GA

Complaint narrative:
XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed Credco XX/XX/2020 Credco XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX  XXXX and XXXX  that I would like removed from all of these bureaus

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with XXXX XXXX Auto Finance. I was violated on my rights as a Consumer. XXXX  XXXX XXXX XXXX has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX XXXX I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.

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 2021-06-26 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: CO

Complaint narrative:
XXXX XXXX is reporting my loan late in XXXX, 2021. As XXXX XXXX clearly states in a response to my complaint to the XXXX I was not late in any payment XX/XX/2021. These lates that are reported to all three credit agencies and reported differently must be corrected to on time status for XX/XX/2021.

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 5 previous letters to you including one FTC report which was confirmed on the phone by one of your reps- XXXX ( confirmation # XXXX XXXX. He said the inquiries would be marked as fraudulent and would be off of my report within 72 hours which the call took place on XXXX. Today XX/XX/2021 they are still on my report., I am requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.

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 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Loan application filed in XXXX. In XXXX appraisal schedule and all required document uploaded after appraisal by customer. Penfed closed the file of loan and by themselves in XXXX without notified customer and and in XXXX now refusing to refinance with the same rates which was locked and asking to refinance at higher rates.

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 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called XXXX XXXX XXXX. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX  and they were taking XXXX XXXXon the XXXX of each month i made 3 payments then i get this letter from UNITED COLLECTION BUREAU who says i owe {$1800.00} i have disputed this many times sent the documents

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 2021-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: NV

Complaint narrative:
My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is very clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the ongoing stress being caused by the delayed resolution of this situation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC
State: AK

Complaint narrative:
I CONTACTED LOAN SERVICING ON XX/XX/XXXX AND XX/XX/XXXX BY EMAIL. I RECEIVED A GENERIC RESPOND ON XX/XX/XXXX AND XX/XX/XXXX. THE EMAIL STATED " WE ARE WORKING ON GATHERING THE INFORMATION AND WILL RESPOND AS SOON AS POSSIBLE. '' I STILL NOT HEARD BACK FROM SHELLPOINT. 

I ALSO CONTACTED MR. XXXX XXXX BY EMAIL ON XX/XX/XXXX AND HAVE NOT HEARD BACK FROM MR XXXX. 

THE REASON FOR REACHING OUT WE NOTICED LATE PAYMENTS ON OUR CREDIT REPORT FRO XXXX AND XX/XX/XXXX. WE REQUESTED A DEFERMENT DUE TO MEDICAL ISSUES AND LAID OFF DUE TO COVID. WE REQUESTED FOR THE LATE PAYMENTS TO BE REMOVED FROM BOTH MY HUSBAND AND MY CREDIT REPORTS. I SPOKE TO CUSTOMER SERVICE OVER THE PHONE AND WAS TOLD I NEEDED TO CONTACT THEM BY EMAIL OR DISPUTE IT THROUGH THE CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Credit Plus Inc
State: GA

Complaint narrative:
XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
Equifax is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX Equifax Mortgage Serv XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on Equifax XXXX and XXXX that I would like removed from all of these bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a purchase from GAP more than 2 years ago. They asked me to do a membership to get a discount and to pay anything online. 
there were a third part which is synchrony bank I missed to the payment on time as I moved from my place A month ago, exactly on XX/XX/XXXX, I called the bank to do my payment, they switch me to the collection and I talk with some of it's representative The original payment was {$200.00} I paid around {$400.00} before and that day they said I have to pay after a deal around {$450.00} I scheduled the payment in 6 months, XXXX each month I did my first payment on XX/XX/XXXX 3 days later, I called the collection to do the remaining 5 payment at once and close my case. 
I did them and I asked the representative if I have any other payments in the future and he said never I called them after that day 2 times to confirm my payments and they said that I will get a report after 21 days from my last payment to confirm that After a month and exactly on Last XX/XX/XXXX, I found there is a XXXX was withdrawn from my acc I called the customer They said it's a mistake And they will refund me within 21days And the report will be after 21 days My credit score affected as I should show complete payment and it still not shown Also they withdraw a money over than the payment I should not wait 21 days to get my money plus I am not guaranteed that this will not happen in the future

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from 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