vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXXXXXX # XXXX -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX  # XXXX ( Medical ) XXXX XXXX # XXXX -XXXX 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 explanation
Consumer complaint received 2021-06-06 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: GA

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 a week 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX on XXXX  is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX on Equifax is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
After sending them a letter to verify a XXXX  account that they claim I owe for {$1000.00}, the company Enhanced Recovery Company , LLC ( ERC XXXX replied back to me on XX/XX/XXXX with a letter indicating that they could not verify the debt and will ceased all collection activity as well as deleting item from the consumer reporting agency. However, on XX/XX/XXXX, I received a letter from ERC stating that I have a debt and I owe XXXX  for {$1000.00}. This company keeps trying to claim a debt that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN

Complaint narrative:
I am a victim of a natural disaster and being sold a lemon due to being a XXXX. I kept the maintenance up on the vehicle, however the vehicle was a lemon. After taking the vehicle to several repair shops including XXXX, they stated there was nothing they could do for me. The transmission light came on directly after completing my 3 month oil change vs. them telling me every 5 months. I lost my job due to XXXX and asked for help and they refused and hung up on me saying " so what and you're the one that purchased the lemon vehicle, its your fault not ours. '' Each rep I talked to was rude, uncompassionate and refused to provide assistance. My car stop running, when I did all I could to keep this vehicle they said was not owned by anyone but the dealership and everything was 100 % up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Hello. I was in a car accident on XX/XX/2021. My car was totaled by a driver who ran a stop sign, and my insurance XXXX XXXX, claim # XXXX XXXX paid off my auto lender. 

The account still shows that its active on my credit report and its stopping me from getting approved on any car. 

The insurance paid my auto lender on XX/XX/2021 and it was paid to Toyota motor credit corporations. On the credit report it shows XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX. 

I need this removed from my credit report because it has been paid off and I need to purchase a new vehicle in order to get to work and to my doctors appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX  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 explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I paid {$5000.00} i use Discover credit card to XXXX XXXX on XXXX XXXX as down payment for a new car and on second day we had to go through the contract with a promise they would give me a good deal but i had to pay the down payment to prove that i was serious and if the offer is not good no obligation and i will get my money back. The next day the offer it wasn't good and i didn't like the offer. I asked them to return the down payment to my credit card they said okay but i was not comfortable and worried. On XX/XX/XXXX XXXX i called Discover credit card to dispute the transaction they said i have to give the dealer 10 days to return the money and we can start the dispute on XX/XX/XXXX, if they don't return the money. The dealer didn't return the money credit card company started investigation they found in my favor on XXXX XXXX. On XXXX XXXX discover sent Email to me stated that will continue investigation because the dealer submitted a contract between XXXX XXXX and my son done on XXXX and contract date on XX/XX/XXXXthis deal was finished and my son took the car on same day after he paid {$5000.00} in cash as the contract proven this. I asked Discover credit card it is no relationship between the transaction i disputed happened on XX/XX/XXXX XXXX and transaction it done on XXXX and so far the credit card company reapplied a temporary credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a previous complaint against Experian in complaint number XXXX. 
I explained that someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Experian that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Experian is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do. 
After submitting that information they responded they need authorization from me. The authorization was provided when I called them and told them that they are reporting a fradugelent account. They are sending computer generated responses not to delete this account. Please again I am asking this account be deleted.

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 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
I have emailed Grain multiple times starting on XX/XX/2021 to change my bank account on file so my payments can be on time. I received no response and its now XX/XX/2021. I have called them multiple times, nobody ever picks up the phone, I have texted them multiple times, no response. I have emailed them on XX/XX/2021, XX/XX/2021, and now today XX/XX/2021 and no response. I really dont want them reporting this to the credit bureaus because I am actually trying to fix this and pay my now past due balance because nobody would ever help me. My connected XXXX XXXX XXXX account is closed!!!! So payments will be returned. Once they report that my supposedly past due to the credit bureaus, that needs to be reversed because this is ridiculous and they are refusing payment and are refusing to update my bank account. Since they wont get back to me. This leaves no choice to file this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: ID

Complaint narrative:
I got a loan from a company cnac buying car from jd byrider i traded my car towards down payment i signed my contract as time went on into the second month of my loan i originally got the vehicle in XXXX the company accidentally reported to credit bureaus i missed XXXX payments i call them they call correct it however my credit dropped XXXX pts n never got points back then i. XXXX i was having hard time paying cause they would call before my due date i paid every two weeks they had me come in and sign new contract however little did i notice on my new contract they didn't list my trade in or payments i made from XXXX to XXXX they then came n repossessed my vehicle for being two weeks late while i was at work then i notice never reported my on time payments n that i opened my loan on XXXX when i opened it in XXXX i have copies of my first contract and proof of all this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax isnt allowing potential creditors too pull or view my credit report. Ive called them several times about this and they continue too say that it isnt locked or blocked on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Debt is inaccurate. Its been over 90 days and no response back from the 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 non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reports that the mortgage loan is a student loan, and it is not. 
I don't have any student loans.

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed there was an inquiry on my report that I did not recognize. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.

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 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
Challenge Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. 

Plaintiff : Challenge Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Spoke to a counselor at XXXX XXXX and they suggested that I can put any missed payments on the back end of the mortgage. The mortgage company will not allow that they won't put the Miss payments in the back end they're asking for the full amount of Miss payments for the past 12 months up front. The XXXX XXXX representative said that they should allow this and to find out why and if not to schedule a conference call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase reported derogatory payments on my mortgage I contacted them and they indicated they would correct the problem but did not. Did not provide any documentation supporting their conclusion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
Unifund CCR LLC bought this debt from XXXX XXXX XXXX  XXXX. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the XXXX XXXX XXXX  phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for XXXX, XXXX  and XXXX. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I contacted Wells Fargo XXXX XXXX on XX/XX/XXXX regarding what I feel is a deceptive and unfair practice in how payments are applied to my account balance. This card is for use only with medical/dental expenses provided by approved providers. Wells Fargo XXXX XXXX offers an interest-free/deferred period on each individual charge. If the charge is not paid off within the designated number of months, the full amount of interest ( from the date of the charge ) is added to the balance and accumulated forward. In my case, the rate is 12.99 %. I currently have XXXX separate charges on my account. Payment has been made on a timely basis since the inception of the account. I have paid more than the minimum payment nearly every month in order to pay off the balances of each charge prior to the end of the interest-deferred period. 

In XXXX I paid double the minimum amount for a total of {$300.00}, ( an additional {$150.00} over the minimum payment required ), believing that one of the older charges would be paid off in its entirety and the second oldest charge would be reduced accordingly. I was dismayed to discover when the new statement arrived, that only a fraction of my payment had been applied to the oldest charge. Much of the payment had been apportioned to the newer charges that have more distant interest-deferred periods. 

I talked with the representative and was told that payments are apportioned to all the charges at the rate of 3.5 % of the charge. I feel this is an unfair practice because it makes it more difficult to pay off the balances that will in the nearer term incur the full amount of interest that has accumulated back to the original charge date. 

This is a deceptive practice, leading consumers to believe that if they make sufficient payments to pay off each charge during the interest-deferred period, they will not incur any interest on each charge. 

I understand banks are in business to make money, and interest is a major way of doing so. However, if the bank does not wish to provide interest-deferred accounts, they should not do so, especially under these deceptive circumstances. 

I ask that this practice be reviewed and require the bank to apply payments to the oldest charges first, in the order they were made. This will help consumers be able to pay off charges without incurring large interest charges in the spirit of which they opened the account in the first 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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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