vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is not letting me withdraw the balance in my account even though the money is rightfully mine. I firmly believe what they're doing is completely illegal and should be investigated by government agency. I will be filing complaint regarding this issue to Texas state attorney and other regulatory agencies if this problem continues to persist after this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-11 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: APLUS INSTACASH LLC dba A+ FINANCE
State: GA

Complaint narrative:
In XX/XX/2019 a check and my id was stolen from me. The check was cashed fraudulently at Aplus Financial XXXX XXXX XXXX Ga for {$7100.00}. A place report was filed and arrest warrants have been issued. This facility has surveillance of the perpetrator. I've not been able to to secure a refund from this facility.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-11 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: MD

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: MD

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My lease was up in XX/XX/2021, so in XXXX I contacted my dealership/salesman to start looking for a new vehicle to lease. Well, I was told that due to supply and demand, there were no XXXX vehicles available that I was looking for. We looked outside the area I lived, and still nothing within a XXXX mile radius. My salesman said due to supply & demand and XXXX having to shut down due to COVID, there was nothing he could do for me. Apparently, it was so bad, people were calling and paying with their debit card over the phone and putting down-payments on a vehicle they had never seen, just to ensure they get something. Either way, I looked for months, and I was just being told the same thing. No vehicles, nothing in my price range, and even to get another XXXX ( which they also didn't have ) my payment would double due to the supply and demand of the SUV 's. {$600.00} a month for a XXXX, that I didn't love, was not feasible for me. The end result was ME paying off the loan in FULL and having to go to a different dealership/auto maker, due to no fault of my own. And now XXXX is trying to charge me {$420.00} as a 'disposition fee ' for not leasing another XXXX vehicle! Why should I have to pay this fee, when the reason I couldn't get a vehicle was due to their shutdown and COVID? This is not my problem, and it's already listed on my credit report. I called them direct and was told they don't waive this fee as a courtesy? This isn't a courtesy. If I chose to not lease through XXXX, this would be another story. I also filed a complaint with the XXXX which, they apparently felt they didn't need to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TX

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I signed up for Google Pay due to the marketed sign-up bonus of {$21.00} after making a payment of {$10.00} or more to a friend. Additionally, there were other offers marketed that enticed me to start using this product, such as {$21.00} referrals to friends and family, and cashback on transactions, such as 20 % at REI. 

I referred a family member on XX/XX/XXXX, they made two qualifying transactions on XX/XX/XXXX and I did not receive the referral bonus, and they did not receive the signup bonus nor REI bonus. 

After 3 weeks of being run around by customer service, there is no other possible conclusion than this is a scam, bait and switch, and illegal business practices. OVer 10 emails asking for the same information that was already provided, making blanket statements about the promotion ending XX/XX/XXXX ( which clearly this activity was in advance of ), asking for information they already have ( transaction IDs, dates, peoples names/emails/phone #, screenshots, etc. 

It is not like google is hurting for money, so I don't understand the deceit and scam, nor the horrific customer service. Fulfill the terms of the bonuses that were signed up for and executed per the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TX

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CO

Complaint narrative:
I paid off my personal loan with MoneyLion in XX/XX/2019. They held a part of the money I was to receive initially which they refer to as a " credit reserve '' similar to a secured loan. I was to receive my balance of {$200.00} deposited into my checking account upon successfully paying off my loan and I have not. It has been over 30 days. Their website states I was to receive it within 10-14 days. I have contacted MoneyLion for the past 2 weeks trying to get what is owed to me but they keep saying " they'll look into it '' or " the system has a glitch ''. Those are just excuses to not pay their customers their money that is owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My late Aunt XXXX had a Checking & Savings at Bank America for decades. The bank statement she received for the last 25 years has showed my father as a joint signature & myself as a beneficiary. I have called multiple locations to try & get an appointment to close with my father present who is XXXX. Last Friday, I went in person to the XXXX MA office because I had not yet received a confirmation of my appointment- I was met by a banker & his manager who said although the statements read that way - there internal paperwork is unclear?? This is gross negligence! How would my late Aunt know there was a problem? She relied on the bank to look after her accounts - now in the moment of need due their errors- Im not able to complete the Wishes of my Aunt.

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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have did everything in my will by submitting documents asking for validation which I did not receive an answer. I sent multiple letters with no response which under the law this items should be deleted if I did not receive any letter back from this company Chrysler Capital. I have all the letters I sent and receipts for certified mail. I also didn't get a letter of repossession when the vehicle was repossess now I'm asking that you all help me resave and get this deleted off my credit because they did not follow laws and resound to me ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My email gets flooded with loan offers saying Im approved or pre approved then Ill apply and then I get denied this has messed up my credit I lost my job due to COVID pandemic I need help please dates from XX/XX/XXXX till XX/XX/XXXX I have pictures or all these companies that gives me fake offers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial
State: FL

Complaint narrative:
I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AE

Complaint narrative:
I had regularly scheduled, electronic payments with my mortgage lender ( BSI Financial ). All payments were scheduled for the XXXX of the month for the monthly payment, {$4400.00}, plus an additional {$1300.00} towards the principal. After my XXXX XXXX payment, I contacted BSI ( on or about XXXX XXXX ) regarding split payments to begin on XXXX XXXX to be {$2800.00} XXXX {$2200.00} in principal/interest and {$650.00} in additional principal ). On XXXX XXXX, the draft did not occur. I contacted BSI again and they said I did not specify the day of the week ( not true ) so I re-scheduled the split payment to occur on XXXX XXXX. Again, no draft occurred. I called a third time and was informed that they needed additional paperwork to conduct split payments. I told them I was done with attempting to do split payments as I had begun doing a re-finance due to low interest rates and a lack of confidence in their ability to manage my mortgage. I told them I wanted my full loan payment, plus the additional principal payment, to be drafted on XXXX XXXX and to continue that until my re-finance was complete. On XXXX XXXX, no draft. I contact them again and they push my draft to XXXX XXXX for the full payment plus principal. On XXXX XXXX, they drafted the split payment plus {$650.00} additional principal. I called again and they said they now needed 3 business days to process a change ( website says 2 ) and that is why it only drafted the split payment. I scheduled an immediate draft of the remaining payment plus another {$650.00} in principal but have yet to see it draft. There is no accountability within that office and their customer service is nothing but empty words. I am now at risk of being late on a payment if they do not resolve this issue prior to the XXXX which could affect my re-finance, my credit score, and other factors. In searching the internet, I have seen several other people have issues with this lender, but lenders can sell people 's mortgages to whoever they want and therefore, my mortgage could end up in BSI 's hands again if someone does not intervene to remove them as a credible lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My loan # XXXX has not had any changes since I previously reported issues and received an outcome on XX/XX/XXXX. This was all addressed in the previous Case Number XXXX. My online portal still shows the same amount of {$1500.00} owed along with a significant amount being withheld for Escrow purposes. The payment was supposed to be reduced to {$1200.00} as of XX/XX/XXXX which never happened. My Escrow was supposed to be re-evaluated after this outcome which never happened. I am a XXXX XXXX XXXX veteran in Texas and therefore do not have property taxes on my home. I have filed all necessary exemptions for this to be the case back in XX/XX/XXXX. This was never taken into account during my loan process, Escrow calculation, and is still not being handled as it should. I feel discriminated as a XXXX veteran by this company. 

I contacted customer service a few times over the past 2 weeks to get them to fix these items only to be told that " my payment isn't late '' and that an " escrow evaluation was just completed on XX/XX/XXXX '' which showed nothing changed and was before my previous complaint/request. I have requested that another Escrow evaluation is completed as of XX/XX/XXXX and was informed on XX/XX/XXXX that it is still being worked on and that it would be completed by XX/XX/XXXX. As of today, nothing has been changed and I can not contact my mortgagor as of this morning 's phone call attempt. I am not being assisted by my mortgagor at all. If anything, I feel that they not only lied to me but to the CFPB about their intentions on what they will do and haven't done.

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 2021-01-11 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: MI

Complaint narrative:
University of XXXX continues to put this collection back on my account and I have NEVER BEEN ENROLLED IN XXXX  OR ATTENDED A CLASS.

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