vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: NJ

Complaint narrative:
I've been attempting to remove the fraudulent bankruptcies reporting on my credit report since XX/XX/2020. Its been well over a year and not only have the bureaus provided verifiable proofs that they are mine, they have not even started their investigations since I have received no letters from them. I have reached out to the courts in question and mailed the letters of their findings to the bureaus and yet they are STILL reporting the inaccurate information. At this point, I'm tired of mailing certified letters and shelling out money on a dispute process that is supposed to take 30 days and is now taking over a year. The bureaus are comfortable violating my rights under the FCRA and the federal law and I've had enough. This is their last chance before I sue for damages and more.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I see a collection on my account that is not mine and I had wrote an contacted XXXX  and they gave me a very hard time. I suspected it was fraud and the person who I have talked to on the phone acted as if he didnt care at all. I am trying to get the following account remove from my XXXX  account XXXX Credit report I.C. System, Inc ( creditor ) Account number- XXXX Collection Account Alleged balance- {$1200.00} Alleged date open - XXXX, 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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
****My LAST 4 SOCIAL XXXX, the system kept saying I put XXXX # XXXX in the XXXX social # field. **** I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe capital one {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a capital one account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: TX

Complaint narrative:
My auto insurance company issued a check to pay the balance off in full on XX/XX/XXXX for {$13000.00}.XX/XX/XXXXdid not apply the check to my account until XX/XX/XXXX and they reported the XX/XX/XXXX payment as late on my credit report. The payment was not late. The payment was received by XX/XX/XXXXwithin the grace period allowed by my loan of 19 days and the payment sat in their office for over 14 days until XXXX decided to apply the payment. I spoke to XXXX regarding the payment several times during XX/XX/XXXX their response was that they were behind due to COVID-19 and the holidays. I should not penalized due to the pandemic and the holidays when my payment was issued and received by them within the grace period. Furthermore, before the check was issued the insurance adjuster spoke to XXXX and they quoted her a loan payoff amount of {$13000.00} that was good until XX/XX/XXXX. The insurance company issued the check amount {$13000.00} that should have paid off the loan in full. XXXX let the check sit in their office for over 14 days and applied it on the XX/XX/XXXX and is now telling me that amount did not pay off the loan. The payment was more than the quoted amount and was enough to pay the loan off in full. I would like XXXX to accept the check they have cashed as payment in full for the loan and close the account and mark it as paid. I would like XXXX to delete the late payment they have reported to my credit report due to the fact the payment was not late and they waited so long to apply the payment to 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 2021-02-17 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
I have tried numerous attempts in trying to get assistance from Commerce Home Mortgage called their Customer contact number XXXX and left messages letting them know that I was having a log on problem and needed help from their technical department on getting my issue resolved. In logging on I keep getting my previous property in XXXX at XXXX XXXX XXXX XXXX, which causes problems in being able to make a payment to my new property at XXXX XXXX XXXX in XXXX in using the Home Mortgage Website. I have left numerous messages to no avail. I am currently being forced to rely on mailing out my payment and hope that the USPS delivers my payment to the correct address, I wish to send out my payment online using XXXX Home Mortgage Website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked Experian to to investigate and check some errors I noticed in my credit report. Experian has disregarded my request.They have mentioned something about they need authorization but clearly if im asking for the second time I am giving them permission/authorization. I included a bank statement and proof of id to confirm my identity.

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 2021-02-17 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: AA

Complaint narrative:
I have been using PayPal since XXXX for standard transactions ( paying for XXXX apps, clothing purchases with XXXX, sending money to friends/family ). On XX/XX/XXXX I received an email that my account was permanently limited and that I will no longer be able to use PayPal. After reviewing all my recent transactions, I can not find any issues that may have violated terms of service. I've attempted to contact PayPal through the message function on the website. I have only received general emails directing me to their resolution page, none of the information is helpful in reactivating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: CT

Complaint narrative:
1. I entered into a consumer credit transaction with Carvana on XX/XX/XXXX for a used car. 
2. On the application page they asked for my personal bank statement and utility bills which they are not supposed to ask for in a consumer credit transaction in which a finance charge is in involved. ( Pursuant to 15 USC 1605 ; the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. ) 3. After I filled the application and got approved, they gave me a date for delivery of the car. 
4. They then sent me an email requesting current bank statement which the bank hasnt yet updated so I couldnt provide. 
5. Because of this they denied me credit and requested more personal financial information without respect to my personal privacy as a consumer. 
6. They pulled my consumer report without a permissible purpose under the Fair Credit Reporting Act. 
7. I dont have an account with them under collection nor review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Acceptance, LLC
State: KY

Complaint narrative:
Hello I purchase a vehicle used with the the car store here in XXXX and I was also financed on a lot through their company to XXXX I've been in good standing with them for years 7 months starting my loan back in 2019 XXXX if I'm not mistaken Pier I recently got laid off my job and XX/XX/XXXX and I also file for unemployment but I have not got paid in unable to get in contact with unemployment so as of right now I'm old XXXX from unemployment that I have not been paid which cause my car to get repossessed I asked The Car Store to refinance my car where I originally financed it at and they are refusing to do so I spoke with XXXX, XXXX, and XXXX in the loan office of The Car Store. They were very rude and constantly hung up the phone on me when I'm trying to get answers I'm currently behind {$560.00} and was told that I can keep my car if I paid {$130.00} every two weeks but once again I haven't got my unemployment and I'm asking them to refinance my car so my payments can be lower and on a monthly basis and they're saying that they do not do that and they refuse to even though they financed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Collection Account being listed. Collecting for a medical bill that was to be paid for by the VA, in regards to ongoing XXXX treatments.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a bad mark on my credit report from Barclays which caused my score to drop over 100 points. I was never notified of a late payment or received a credit card statement. I have my credit cards on automatic payment from my bank account so I would never have a late payment. I called Barclays and was told that they had no record of a delinquent account with me. Five days later I received a letter from Barclays saying my account was being closed because it was 90 days late for payment. I called the number on the letter and was told they dont have a record of this letter or of a delinquent account. I was told they would create a case # and I would receive a callback in 10 days.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: NV

Complaint narrative:
Signed up for services and then had financial problems advised no longer wanted the service. This company claimed they submitted dispute letters on my behalf to date have not received any proof of dispute filed. I unauthorized them from taking money from my credit card and they are still attempting to take it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: PR

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have not been able to get help from them. They still have my money withheld from my XXXX sales. The total amount exceeds {$4600.00} from XXXX and XX/XX/2021. I'm submitting my complaint on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently with absolutely no problems in the past. I have submitted all tracking numbers on time and every item that I sold has been delivered. No issues or complaints from my customers. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
PayPal has held my funds again. They are holding my funds and not telling me what the reason is. We had an issue weeks back and now again, theyre holding my funds against my will. They are saying that my traveling has flagged my account and never told me that this would happen. I called and they said that they had to clear some errors. They cleared the errors and they said to try the attempt again. I did, and it didnt work. This then extended the time that i can try again to 48 hours. I have done nothing wrong other than travel which i told them. My funds are held and Im now stranded across the country without access to my funds. They keep pushing back the date in which i can access my funds, but theyre the reason it is extended further because they told me to attempt the transfer. Im just trying to make it home, and me and my XXXX kids are without access to our hard earned funds. AGAIN after they pulled this similar activity in XXXX. I knew i should have stopped using the service as their arbitrary rules are not designed for us to take advantage of. This is an intentional abuse of power. They released a transfer already, and now all of a sudden Im flagged because Im traveling. They didnt call me or email me to notify of an issue with my account. They say that due to me continuing to try and access my money, it locked my account and they have no way to assist. Although they told me to try to withdrawal while they were on the phone. I spoke with so many people and their suggestions have now rendered me helpless when it comes to the accessing of my funds. I never was notified because they didnt notify me. To say the activity is due to suspicious activity, but not once notify me is wrong on so many levels. What if someone really was trying to access my account? Now theyre saying they wont tell me when that happens? I find that hard to believe because the times in which there has been suspicious activity, i was notified. Now that i need my funds again, they wont notify not allow me to use my funds that were made via legal activity and business. With so much fraud happening, youd think theyd assist better with that, as opposed to ruining the businesses of hard working Americans DURING COVID!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I previously purchased 2 nightstands from Rooms to Go ( RTG ) using my Rooms to Go charge card. 1 nightstand was defective. RTG agreed to replace the defective nightstand under the warranty at no charge. 

I received a delivery email on XX/XX/2021 that stated 2 nightstands were ordered, not 1 nightstand, and were scheduled for delivery. This prompted me to review my RTG credit card. I discovered a charge for {$420.00} for 2 nightstands. The order number is : XXXX. 

I immediately called RTG Internet Sales on XX/XX/2021 and spoke with XXXX. XXXX stated 2 nightstands were ordered and were being delivered. He also confirmed I was being charged for 2 nightstands. I explained that I was supposed to receive 1 nightstand as a replacement for a defective nightstand and the nightstand was supposed to be replaced at no charge. XXXX researched the issue and confirmed that I was correct. 

That said, he stated they would not issue a refund until the items were delivered, rejected and then returned to the warehouse. I repeatedly explained that the onus should not be on me to have to wait on items that I did not order to be delivered, then have to reject them, and then have to wait until RTG received them back before they would correct the order and remove the charge. I repeatedly requested to speak with a supervisor but was not transferred to one. I called back and spoke with XXXX again, who stated there were no supervisors available and he restated that RTG would not refund or adjust the order at this time. 

RTG placed an unauthorized order under my name ( by ordering a second nightstand ), placed an unauthorized charge on my card ( by charging me for the second nightstand ), and refuses to resolve the issue until an item I never ordered or authorized to be ordered arrives and then is returned by me. Attempts to resolve the issue have been unsuccessful.

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 2021-02-17 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: GA

Complaint narrative:
These XXXX  are reporting inaccurate inquiries on my credit report. These items do not belong to me ...

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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I owe the original debtor, XXXX XXXX XXXX XXXX, ( 1 ) {$62.00} amount from XXXX or XXXX, not sure which year the original debt was created, but it is only one bill. Consumer Adjustment Co has listed the bill on my credit report sometime last year. I have NOT made a single payment to their company of any kind, yet they just made the debt NEW again on my credit report. They can not do that unless I have made a payment, which I have not. They had someone contact me, verbally and tell me that I owe them {$4000.00} or so. I told them I would pay on the XXXX of XXXX, XXXX. However, I have not paid thus far and will not being paying since they are trying to be fraudulent. They are trying to restate the original creditors name and double add one single debt to my credit report. It shows twice and they just made it new on the XXXX of XXXX. They did this through XXXX  Credit Bureau and I may seek legal counsel in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX  stating I had a balance due for real estate property taxes. On XX/XX/XXXX, I called Stockon Mortgage my loan servicer to inquire about the tax bill that is due. They advised me to email the tax bill to them at XXXX, I did as advised. I assumed the bill was paid since my escrow increased. But sadly mistaken, on XX/XX/XXXX I received from XXXX XXXX  a delinquent tax bill with an increase of {$150.00} due to fees and interest for not paying. I again called Stockon Mortgage, this time I was advised to mail a physical letter and to expect a 3 week turn around time for my request to be processed which would put me in a a further delinquency. I asked if I could just pay it and be refunded, they stated no. So I did as they said XX/XX/XXXX I sent it next day mail and they've received the letter and no action has been taken. I've called now every week to see if any action has been taken and as of today XX/XX/XXXX, they have done nothing. They've placed me on a hold to talk to a supervisor for thirty minutes just to be hung up on. At this point this servicer isn't doing their job and doesn't seem capable of handling accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AR

Complaint narrative:
CARDINAL HAS VIOLATED THE T.C.P.A. AND THE DODD FRANK ACT FOR THE LASTIME. 

SKIP TRACING FOR XXXX XXXX AND XXXX XXXX ETC..CALLING MY MOM AND DADS CELL NO ( XXXX ) XXXX AND ( XXXX ) XXXX 3 1 TIMES AFTER CEASE COMMUNICATION LETTER.

Company response to consumer: Closed with explanation