vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On Wednesday XXXX XXXX a payment was made via PayPal from XXXX XXXX from his stored PayPal balance to my account under XXXX. The payment was made in error, was not requested. He tried to cancel the payment and was told via email that I had to reject the payment. I have NOT accepted the funds and according to PayPal online support my only option is to refund the money less an XXXX $ fee they automatically charged. I have tried with three different agents to cancel the transaction as a whole and restore the balance to the senders account. They are trying to force me to accept the funds because it was completed despite showing as pending. The transaction ID is : XXXX. According to the sender its still showing pending on his end. If I wait 30 days the transaction will automatically cancel and return funds to sender less the fee. PayPal will not waived the fee despite it being an errant transaction. I will NOT accept the funds as I believe this will void my ability to fight their policy. I have NOT accepted any terms and conditions to automatically receive funds and they have not provided me proof of it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have been current with my car lease payments ( XXXX ) up to this month XX/XX/2020. This month due to the coronavirus pandemic I have suffered a loss of income. This will make it impossible to continue to be up to date on my payments. I contacted Hyundai Motor Finance on XX/XX/2020 before my XXXX payment was due ( XX/XX/2020 ). I asked the representative for a forbearance plan in accordance of what they advertised they were doing for their customers. In giving my information, I was asked if I suffered a partial or total loss of income to which I stated a partial loss. I was immediately told I didn't qualify that they were only approving total losses. I feel they are using discriminatory tactics to avoid helping customers. I don't believe that any where in Federal government guidelines ( about forbearance during the coronavirus crisis ) does it state that customer 's loss of income should be based on total or partial loss. Additionally I believe that Hyundai does not mention it in their advertisement. I have also filed a complaint with Hyundai vial email today. Since they have not allowed me to set up any type of forbearance plan and today ( XX/XX/2020 ) is past my payment due date my credit report will show I am delinquent on my loan payment. Hyundai has placed a financial burden on me and negatively affected my 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 2020-04-10 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: CA

Complaint narrative:
I had a lease of 36 months with XXXX XXXX that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from Experian credit that my credit had been impacted for a missed payment. Immediately I contact XXXX XXXX but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I  remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from XXXX trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the Experian and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on XXXX financial for not sending me a bill.

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 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have a mortgage account with Nationstar/Mr. Cooper. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer apparently did not send my reaffirmation papers. At the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by XXXX. XXXX then sold my loan to Nationstar/Mr. Cooper. 

Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. XXXX was not, nor was Mr. Cooper. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. They wouldn't accept my verbal request. I am simply asking that Nationstar/Mr. Cooper report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX  XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXXXX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with XXXX/XXXXt cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.

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 2020-04-10 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: VA

Complaint narrative:
In the case of all three credit reporting agencies ( Experian, XXXX, and XXXX  ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.

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 2020-04-10 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: Southern Management Systems Inc.
State: AL

Complaint narrative:
In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with Sprint/Boost cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm afraid my complaint with reference XXXX did not receive an appropriate remedy : The company has requested me to have the Declaration of Lost Cashiers Check notarized. However, I have since moved to XXXX, and have no trips planned to the US. Thus, the company 's remedy imposes a financial burden that is not acceptable. 

I have received the Declaration of Lost Cashiers Check form at my address on file, who is attended to by an agent of the utmost confidence. In fact, I have received many pieces of mail, including checks, at this address. However, the Chase bank checks never arrived to my own address when I lived in the US,  nor to the current address on file. 

Since I now live in XXXX, please advise on appropriate the course of action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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 2020-04-10 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}

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 2020-04-10 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA requires ( 2 ) TWO set ups for access on line. One is website usaa.com One is moble app from XXXX XXXX Both need UserID, temp password then peranet password set ups my XXXX unable to perform these numerous XXXX XXXX. Both are required for documents. MAILBOX IN APP FOR ALL CONTACT AND DOCUMENTS requires up down in out XXXX XXXX. Both set ups site and mobile app must work simotaniaeiously. ( I AM UNABLE TO GAIN ACCESS INDEPENDANTLY. TO ENTER PRIVATE SECURE INFO. PRIVATELY ) XXXX 4 EMAILS SENT TO NO AVAIL. NO ACCESSIBILITY ASSISTANCE PROVIDED UPON REQUEST. USAA IS NOT XXXX ACCESSIBLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2020-04-10 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:
In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A Consent Order ( File No. 2017 XXXX XXXX  ) was administered in XXXX and directly effected me and my family. A small monetary compensation was provided but I am still feeling the effects three years later, however it is correctable. The inaccurate credit reporting lead other creditors to lower credit limits, increase interest rates, decline mefor credit, etc. Therefore, even after the consent order was complete the effects are still impacting me. If I can step by step rebuild where I was before this catastrophic financial event. My request is to increase my credit limit to where it was prior to this which was {$7900.00}. Currently, it is {$6100.00}. This decreases the usage rate which impacts my credit score which makes me as creditworthy as I was before this error documented in the consent order took place.

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 2020-04-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Turning Point Solutions LLC
State: OH

Complaint narrative:
I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation